1. Wageearners Collectiveinsuranceschemes

2. Wage earners- agreements overview

3. Duringemployment- illness • The insurance enters into effect after 90 days’ qualification period • For the duration of employment • Absence up to 6 months in succession • Applies at most until the age of 65 AGS

4. Illness - AGS 30 pba 32,5% AGS 20 pba 80% sick pay 65% AGS 7,5 pba salary ca 10% AGS daycomp days 15-360 Ca 15% AGS monthlycomp 80% sick pay 75% sickness benefit 80% sickness benefit 64% sickness compensation 14 1 365 Age 65 AGS

5. Occupational pension - wage earners • From the month of the employee's 25th birthday • Applies irrespective of the type of employment • Annual premium • Waiverof premium • Individual choice of fund manager • Flexible drawingof pension • Right tomove Fora administers Avtalspension SAF-LO

6. SALARY 30 % 4,5 % SAF-LO CollectivePension - wageearners age 65 55 25 Premium 426,750 SEK/year 7,5 iba • Lifelong or temporary pension The employer can pay supplementary premiums Avtalspension SAF-LO

7. Parental allowance supplement - wage earners • Agreement between the Confederation of Swedish Enterprise and LO • Applies from 01/01/2014 • Payment in connection with parental leave • Qualification period 12-24 months • One payment period until the child reaches 18 months • 10% of SGI up to 10 price base amounts AFA Insurance administers and makes the payment Föräldrapenningtillägg

8. Right to payment 18 months after the birth of the child Föräldrapenningtillägg

9. WorkInjury- compensation Lag/TFA

10. WorkInjury- compensation Lag/TFA

11. Duringemployment- wageearners 8 hours/week Retirement pension In the case of leave of absence, special rules apply TGL tjänstegrupplivförsäkring

12. General beneficiaries- TGL + + Funeral grant ½ pba Basic benefit 6 - ½ pba Child benefit 2 - ½ pba TGL tjänstegrupplivförsäkring

13. Workshortage - Careerreadjustmentinsurance 0.3% (0.6% local collective agreement companies) Omställningsförsäkring

14. Termination ofemploymentduetoworkshortage FromAGB 45,000 SEK Omställningsförsäkring

15. Summary- WageEarners SAF-LO collective pension (temp/lifelong) Statutory pension Defined premiums Earlydrawing ASL age 25 age 65 age 55 AGS Working hours as well as travel to and from work TFA Phasingout TGL age 55 Career insur. Careerreadjustment support AGB age 40 FPT overview

16. When and how? - wageearners overview