1. Collective insurance - salaried employees, part 1 INSURANCECOMPANYAPPLIES IN THE EVENT OFWHO IS RESPONSIBLE FOR NOTIFICATION? ITP 1 Alecta Collectum Collectum Illness For salaried employees with a salary < 7.5 pba, compensation is paid during the sickness benefit period for days 91-360. For salaried employees with a salary > 7.5 pba, compensation is paid from day 91 at most until the age of 65. All salaried employees receive compensation during periods of activity/sickness compensation. Retirement pension Retirement pension is a defined premium pension. The employer pays a premium of 4.5% up to 7.5 iba/12 and 30% on salary portions exceeding 7.5 iba/12. The pension is earned from the age of 25 and at most until the age of 65, unless otherwise agreed. Active choice by salaried employee. Death Compensation to survivors if the insured person has selected retirement pension with repayment cover and/or family cover. The company Survivors TGL According to the company's selection Death In the event of an individual's death, a tax-free lump sum is paid out. General beneficiaries are spouse, children, grandchildren, parents. The company/survivors TFA AFA InsuranceWork injury Applies in the event of work injury at work or while travelling to and from work, as wells occupational illnesses. TFA pays compensation for loss of income in the event of accidents at work, costs and non-profit compensations. The employee TRR TrygghetsrådetUnemployment - Work shortage A salaried employee who has been given notice due to a work shortage can receive advice and support from TRR (Trygghetsrådet). In addition, a salaried employee who is at least 40 years of age and who has at least 5 years' continuous employment in the company (or the Group) can receive a cash portion, AGE. The company/employee 2015-011/3

2. Collective insurance - salaried employees, part 2 INSURANCECOMPANYAPPLIES IN THE EVENT OFWHO IS RESPONSIBLE FOR NOTIFICATION? ITP 2 Alecta Collectum Illness For salaried employees with a salary < 7.5 pba, compensation is paid during the sickness benefit period for days 91-360. For salaried employees with a salary > 7.5 pba, compensation is paid from day 91 at most until the age of 65. All salaried employees receive compensation during periods of activity/sickness compensation. Retirement pension The retirement pension is a defined benefit pension. ITPK is a defined premium pension and is earned from the age of 28 up to the age of 65. Death Family pension (defined benefit) to surviving spouse and children if the salaried employee has/had a salary > 7 iba. ITPK selection Selection of pension savings for salaried employee from the age of 28. The ITPK premium is 2% of salary. Death Compensation to survivors if the insured person has selected retirement pension with repayment cover and/or family cover. The company Survivors 2/32015-01

3. Collective insurance - salaried employees, part 2 3/3 INSURANCECOMPANYAPPLIES IN THE EVENT OFWHO IS RESPONSIBLE FOR NOTIFICATION? TGL According to the company's selection Death In the event of an individual's death, a tax-free lump sum is paid out. General beneficiaries are spouse, children, grandchildren, parents. The company/survivors TFA AFA Insurance Work injury Applies in the event of accidents at work or while travelling to and from work, as wells occupational illnesses. TFA pays compensation for loss of income in the event of accidents at work, costs and non-profit compensations. The employee TRR Trygghetsrådet Unemployment - Work shortage A salaried employee who has been given notice due to a work shortage can receive advice and support from TRR (Trygghetsrådet). In addition, a salaried employee who is at least 40 years of age and who has at least 5 years' continuous employment in the company (or the Group) can receive a cash portion, AGE. The company/employee 2015-01