Notice Regarding Interest Rates and Mortality Table

For individuals with the right to receive benefits under the Nokia Retirement Plan (the “Plan”), the calculation of a lump-sum payment uses assumptions about interest rates and how long you and your named beneficiary, if any, are expected to live. The interest rates used are specified under Section 417(e) of the Internal Revenue Code and the terms of the Plan. To learn more about the interest rates and the mortality table used by the IRS, click on the Notice below.

Reminder: When reviewing the notice below, please note that the address for the Your Benefits Resources (YBR) website has changed. To access the YBR website, log on to