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Initial retirement savings investment (*)  Periodic savings (**)  Period  MonthlyQuaterlySemi-annuallyAnnually Duration of the investment (***)  years Expected annual rate of return (****) 2 % 3 % 4 % 5 %

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Total capital  (*) This amount is shown on your last quarterly statement. (**) The average annual periodic savings (contributions and/or personal payments) were EUR 6,600 in 2020. The maximum amount of personal savings is EUR/CHF 40,000 per year. (***)Retirement savings contributions can be made up until age 70. (****) Past performance is no guarantee of future results.