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Explore your voluntary benefits, right inside.

99 Park Avenue, 25th FloorNew York, NY 10016

PRESORTEDSTANDARD

U.S. POSTAGEPAID

ROCHESTER, NYPERMIT NO. 1479

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

Explore your options today:

Choose dependable coverage from these leading providers:

Auto and Home Insurance

Pet Insurance

ACT2019

A network of coverage options, right at your fingertips.The Added Benefits® Program for Nokia Employees

Identity Theft Protection

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.

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 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. ©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, 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. ©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. L0619515577[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®, and Nationwide. Nokia is not responsible for its contents.

Auto and Home Insurance

Protection, peace of mind, and perks galore.With the Added Benefits® Auto & Home1 Insurance Program,

you can rest assured that your car, home, and other personal

property are covered for the unexpected. Take advantage

of potential savings on coverage from three of the nation’s

leading carriers: Travelers, Liberty Mutual® Insurance, and

MetLife Auto & Home®.

Just a few of the perks you’ll enjoy include:

• Competitive rates and special savings on auto, home,

and renters insurance

• Good-student and multi-policy discounts, and

good-driver rewards

As a Nokia employee, you may pay your premiums through

your choice of payroll deductions2 (if eligible), electronic

funds transfer (EFT), or direct bill. Plus, you could receive a payroll deduction discount!

Note: Down payments may be required; use of EFT or direct

billing may result in service fees.

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

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

You work hard for the most important things in life. Make sure everything is covered with the Added Benefits® Program, built

specifically for Nokia employees 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.

Pet Insurance

Coverage for your furry family members.Whether your family includes kids with two feet or kids with

four paws, you know what responsibility looks like. My Pet

Protection® from Nationwide® gives your pets superior

coverage at an unbeatable price.

With this plan, you and your pet can benefit from:

• 90% back on vet bills*

• Nose-to-tail coverage for accidents and illnesses,

including cancer

• Optional wellness coverage for annual and routine care

• Vet visits, no matter where you are

• 24/7 VetHelpline available to all members (a $150 value)

Plans can be paid through payroll deductions2 (if eligible),

EFT, or direct bill.

*Some exclusions may apply. Certain coverages may be subject to pre-existing

exclusion. See policy documents for a complete list of exclusions.

Get coverage that can evolve to fit your life.

Identity Theft Protection

Protect yourself and your loved ones from identity theftLifeLock™ can help you avoid becoming one of the millions

that are affected by identity theft throughout the nation.

LifeLock’s identity theft protection is built with innovative

monitoring technology and alert tools that help keep your

credit and finances safe. Visit www.addedbenefitsaccess.com

for more details and to enroll.