Practical questions

1. The password in the letter does not work. What should I do?
   When copying the password, an extra space may have been typed. Please try again.

2. I can log in twice with the password. Is that true?
   Yes, that's right. This way we ensure that if you first take a look and fill in the questionnaire later, you will still be in the questionnaire. We will only include the last fully completed questionnaire in the results, if you complete several.

3. When I enter the link, I end up on another website.
   Put the link in a new tab (the 'plus' sign at the top of your screen) on your computer. So not in the search bar of your search engine (such as Google).

4. The link in the digital invitation does not work. What should I do?
   First, make sure you used the correct link to the study. It is possible that the security settings of your computer or tablet are set in such a way that you cannot visit the website. Usually this works on another computer or tablet.
   
   The website complies with all security protocols. Do you get a notification asking if you want to allow the website once? Then this can be done without danger.

5. I don't get to see some amounts in the questionnaire.
   Pop-up windows are probably blocked. Please check your browser settings before proceeding. When you (temporarily) allow the pop-up windows, you will see the amounts. You can follow these steps:

With Google Chrome:

• Click the menu icon (three vertical dots) in the upper-right corner of the browser window.

• Click Settings.

• Click Privacy and security (left column).

• Click Site Settings.

• Click Pop-ups and redirects.

• Enable the Allow option: Sites can send pop-ups and use redirects.

With Microsoft Edge:

• Click on the menu icon (three horizontal dots) in the top right corner of the browser window.

• Click Settings.

• Click Cookies and site permissions (left column).

• Click Pop-ups and redirects.

• Enable the Allow option.

In Safari:

• Click Safari in the top left of the menu.

• Click Preferences.

• Click the Websites tab.

• Click Pop-up windows.

• Enable the Allow option.

6. I can't see the Pension Meter properly.

Pop-up windows are probably blocked. Please check your browser settings before proceeding. When you (temporarily) allow the pop-up windows, you will see the Pension Meter. You can read above how you can do this.

7. I see estimates of my pension in the Pension Meter. Do the choices I make in the Pension Meter have consequences for my real pension?
   No, you don't commit yourself to anything with the Pension Meter. Your answers have no consequences for your real pension. You can find more information about your pension on www.mijnpensioenoverzicht.nl.

8. Is the research anonymous?
   Yes, the survey is anonymous. The results are processed anonymously and there is no direct link between your personal data and the results. Consultancy firm Sprenkels uses an online survey tool from QuestionPro. Sprenkels processes the answers completely anonymously and only for this research. After the research results have been processed, Sprenkels destroys all personal data that came out of the research.

9. Can I receive the questionnaire by post?
   No, unfortunately not. Because you will receive follow-up questions based on previous answers, it is not possible to complete the survey on paper.

10. Is it important that I participate in the study?

Yes, we make important choices when investing your pension money. With the arrival of the new pension rules, these will become even more important.

11. What does Heineken Pensioenfonds do with the results of the study?

The results give a picture of the extent to which our participants are willing and able to take risks with their pension money. We take this into account when determining our investment policy. We take into account differences in ages.

12. Can I view the results of the study?

When the research is finished, we will report on this on the website. There you can read more about the results.

13. Who conducts the research?

Consultancy firm Sprenkels is carrying out the research on our behalf. We do not do the research ourselves, because it requires specialist knowledge and software. Sprenkels has a lot of experience with this type of research.

Questions about the content of the research

1. It may be that there is a (large) difference in the amounts in the pension meter. How is that possible?

In the pension meter you see three amounts:

• Your pension if things go wrong.

• Your expected retirement.

• Your pension if all goes well.

The three amounts can feel high in slide position 5 and 6, especially for young participants. In these scenarios, it is assumed that the economy will be very good over a long period of time. Disappointing returns can also occur during these periods. In that case, your pension will be lower. It is important that you weigh the high amount against the low amount, taking into account that this can also be disappointing. Investing involves risks and results can also be disappointing.

General questions about the research

1. What happens if I don't participate in the study?
   If you do not participate, your opinion will not be included in the survey. We base our investment policy on the results of the research, among other things. In addition, we look at scientific research on investing and at the composition of and ratio between participants, former participants and pensioners.
   
   You can't participate, but then you leave the choices for the investment policy more to others.

2. What if I have a different opinion than other participants?
   If you have a different preference than most participants, this will be taken into account, but your vote is not decisive. We look at the overall picture of all participants together. Based on this, it is partly determined how much risk is appropriate for the entire fund.

That means:

• Your opinion counts in the whole;

• The final choices are partly based on the total results of the research and scientific insights;

• It is therefore possible that the policy does not exactly match your personal preference.

That is precisely why it is important to participate: the more people give their opinion, the better the final policy meets the wishes of all participants.

3. Will my personal data be used in the research?
   Some personal information is needed to ensure that the amounts and examples in the study match your personal pension situation. This allows you to assess the different scenarios more realistically and better assess which risk suits you. Your personal details also ensure that the survey can only be completed once. Your answers will remain anonymous and will only be used for this research. After the study, we will delete your personal data that was used for this study.

4. Is your question not listed?  
   Hopefully we have been able to provide more clarity about the research. If you still have questions or comments, you can contact us every working day between 09:00 and 16:00 on 020 245 12 35 or send an e-mail to mike.vanelburg@heineken.com.