Group insurance Pension@work

• The general pension plan for all your employees 
  If the person was already employed when you sign your contract, they can choose to join. New employees are automatically integrated into the pension plan.
• The pension bonus plan 
  If the objectives are met, you pay a bonus to your employees for their complementary pension. This formula is more tax-efficient than if you paid a bonus through regular remuneration.
• The individual pension commitment (IPC) 
  An additional motivation for key employees in your company, including managers, representatives, team leaders…

The group insurance includes two complementary guarantees that offer financial protection to your employees and their families:

• capital in case of death: in the event of an employee's death before the legal retirement age, their beneficiaries will be entitled to a predefined minimum capital.
• exemption from contributions: if your employee is temporarily or permanently unable to work, AG Insurance will reimburse the contributions for the constitution of their pension.

In addition to the pension bonus plan, you can integrate two other optional guarantees into your group insurance:

• additional death capital in the event of accidental death: if your employee dies as a result of an accident, their beneficiaries will receive an additional capital on top of the death benefit.
• income replacement in the event of incapacity: in the event of incapacity, your employee will receive a replacement income in addition to the legal income.

Do not hesitate to consult the following documents before signing your contract.

• General Conditions
• Pension@work – Employer
• Pension@work – Employee
• Info sheet – Environmental and/or social characteristics general plan Pension@work
• Info sheet – Environmental and/or social characteristics bonus plan Pension@work
• Info sheet – Environmental and/or social characteristics individual pension commitment Pension@work

For any question, you can first contact your advisor or consult Article 21 of the general banking conditions.

If you have a complaint, you can address it to BNP Paribas Fortis SA, Complaint Management Service (JQABD), Montagne du Parc 3, 1000 Brussels. By phone: 02 228 72 18, email: complaintmanagement@bnpparibasfortis.com or via the online form available on www.bnpparibasfortis.be > Suggestions or complaints > online declaration form.

If the proposed solution does not satisfy you, you can address your complaint by mail to the Insurance Ombudsman Service, 35 Square de Meeûs, 1000 Brussels. Phone: 02 547 58 71 – Fax: 02 547 59 75 – www.ombudsman-insurance.be.

Complementary pension insurances for workers are not covered by the protection regime applicable to branch 21 products and are therefore not covered by the Financial Services Guarantee Fund.

Pension@work is a group insurance (branch 21) of Belgian law, distributed by BNP Paribas Fortis. This insurance is concluded for an agreed period.

AG SA, Bd É. Jacqmain 53, 1000 Brussels – RPM Brussels – VAT BE 0404.494.849 – www.aginsurance.be – Belgian insurance company approved under code 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.

Intermediary: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702 – is subject as a Belgian credit institution to the prudential supervision of the European Central Bank and the National Bank of Belgium. BNP Paribas Fortis SA is registered under the aforementioned enterprise number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG SA.