1. © NEST Corporation 2014 Welcome to NEST

2. © NEST Corporation 2014 Legal information © NEST Corporation 2013. All rights reserved. This information does not constitute financial, investment or professional advice and should not be relied upon as such. Reproduction in any form of all or any part of these slides is prohibited.

3. © NEST Corporation 2014 Your new workplace pension rights Millions of workers are getting the opportunity to save in a workplace pension scheme Your employer may have to automatically enrol you into a pension scheme if you’re not already in one Your employer and the government may have to put money into the scheme on your behalf if you’re eligible If you don’t want to become a member you can opt out

4. © NEST Corporation 2014© NEST Corporation 2013 Who’ll be automatically enrolled? If you’re at least 22 but under State Pension age and earn more than £9,440 each year you’ll be automatically enrolled you’ll get contributions from your employer you can opt out within one month of enrolment you’ll receive a letter giving you more information

5. © NEST Corporation 2014 What if I’m not automatically enrolled? © NEST Corporation 2013 Asking your employer to enrol you You can ask to join if you’re aged over 16 and below 75 You’ll qualify for employer contributions if you earn over £5,668

6. © NEST Corporation 2014 Your new workplace pension scheme NEST is for the millions of people who want a good value workplace pension scheme that does the hard work for them. Easy to understand You can look after your account online Low charges Manages your money carefully according to your age One retirement pot for life which you can pay into if you change jobs

7. © NEST Corporation 2014 Who pays into your retirement pot?

8. © NEST Corporation 2014 Retirement funds designed around your plans NEST 2058 Retirement Fund NEST 2039 Retirement Fund NEST 2022 Retirement Fund

9. © NEST Corporation 2014 NEST’s other fund choices NEST offers choice for those who want it NEST Ethical Fund NEST Sharia Fund NEST Higher Risk Fund NEST Lower Growth Fund NEST Pre-retirement Fund

10. © NEST Corporation 2014 Taking your money out of NEST You can take your money out at any time after reaching age 55 You can buy a retirement income, take a cash lump sum or a combination of both If you suffer from ill-health you may be able to take your money out early If you die before taking your money out you can make sure it goes to your loved ones

11. © NEST Corporation 2014 What’s going to happen? We will send you a letter letting you know your options If you’re automatically enrolled or opt in, NEST will send you a welcome pack with your NEST ID Once you’ve got your NEST ID you can switch on your online account

12. © NEST Corporation 2014 What if you’re automatically enrolled and want to opt out? You can opt out within a month once you’ve got your NEST ID: Online By telephone By post

13. © NEST Corporation 2014 Want to know more? Visit nestpensions.org.uk Contact nestpensions.org.uk/contactus