Retirement pension. You start to accrue retirement pension the moment you take up employment with Heineken, regardless of your age.

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1 Retirement pension As an employee of Heineken you are a member of the Heineken Pension Fund pension scheme in which you build up a retirement pension. You will receive that retirement pension when you reach the age of 67. You can, however, opt to take early retirement. Your retirement pension supplements your AOW. AOW is the pension you receive from the state when you reach state pension age. The objective of the Heineken pension scheme is for you to have a good income from pension after you retire. The amount of pension you will receive depends on a variety of factors such as: your age when you joined the pension scheme; the date on which you retire; how your salary develops during your term of employment; the pension increases awarded by the pension fund during your term of employment. You start to accrue retirement pension the moment you take up employment with Heineken, regardless of your age. The amount of pension you will receive from the Heineken Pension Fund mainly depends on the salary you have earned, the terms of the pension scheme you are a member of and the number of years you were a member. Retirement pension is generally paid in monthly payments starting at the age of 67 and continuing for the rest of your life. The amount of retirement pension is shown on your Uniform Pension Statement (UPS) which is normally sent to your message box on MijnOverheid.nl and on The pension scheme you participate in is a benefit agreement. Each year you build up pension over part of the gross salary you have earned in that year. It is quite possible that not all the gross salary is pensionable. Please see Article 4 of the Pensioenreglement I for an explanation of pensionable salary. A pensionable salary ceiling is also stipulated in the pension scheme; this was fixed at 101,519 on 1 January No pension is accrued over any salary above this ceiling. This

2 upper limit is adjusted annually in conformity with Article 18a of the Wages and Salaries Tax Act You do not accrue pension on all your pensionable salary. This is because your pension provider takes into account the AOW (state pension) you receive when you reach state pension age. The part of your pensionable salary over which you do not accrue pension is referred to as franchise. You build up 1.875% annually in retirement pension over your pensionable salary less the franchise. The pension basis is equal to your pensionable salary less the franchise. A ceiling is fixed on a pensionable salary at 101,519 (2016). You also receive AOW from the state. Example Your pensionable salary is 25,000 p.a. The franchise is 15,000. In that year you will accrue 1.875% in retirement pension over the pension basis of 10,000. In that year it is therefore The retirement pension you receive upon retirement is the sum of all annually accrued pensions, plus any compensation that may have been granted. If you would like additional information and/or would like to know exactly what our pension scheme offers? See the Pension Scheme Rules and Regulations or the Pension Scheme I for Employees Commencing Employment After 31/12/2005.

3 Partner s pension In addition to your retirement pension you also build up a partner s pension and an orphan s pension. Upon your demise your partner is entitled to partner s pension and your children to an orphan s pension. The partner s pension is approximately 70% of the retirement pension you would receive if you accrued pension with the Heineken Pension Fund up to your retirement. If you die after your retirement your partner also receives approx. 70% of the retirement pension you accrue. The amount of orphan s pension is approx. 20% of the partner s pension. Each child receives this up to his or her 18 th birthday. If the child is above 18 then he or she receives an orphan s pension for as long as he or she continues his or her studies up to the age of 27 at most. The amount of retirement pension is shown on your Uniform Pension Statement (UPS) which is normally sent to your message box on MijnOverheid.nl and on Upon your demise your partner may be entitled to a dependants' pension from the state: the surviving dependants statutory regulation (Anw arrangement). There are certain conditions attached to this pension. Your partner must take care of one or more minors, or be partially disabled. More information on this arrangement can be found on the Social Insurance Bank website Supplementary partner s pension Would you like to arrange a higher partner s pension for your partner? You can take out a supplementary partner s pension insurance with the Heineken Pension Fund. If you take out this voluntary insurance your partner will receive a partner s pension up to and including the month in which he or she reaches state pension age. Regardless of whether he or she remarries in the meantime, enters (again) into a civil partnership or starts to cohabit with a new partner. The amount of this supplementary partner s pension on an annual basis is 13, (2016).The contribution for this voluntary insurance is per month (for 2016; fixed annually by the Board).

4 Your partner s own income is not cut back, and even if a benefit is paid out under the Anw arrangement by the State the HPF supplementary partner s pension scheme is still paid out in full. If you are a Heineken employee and you have a partner who has not reached state pension age you are automatically registered for the Supplementary Partner's Pension scheme. This arrangement does involve extra cost. Your registration will be confirmed in writing, accompanied by a form to terminate this insurance should you wish to do so. You can see whether you are covered by this insurance on the most recent Uniform Pension Statement under the heading Benefit upon your demise. If this is not the case, then you must have terminated the insurance in the past. If you would still like to take out this insurance, subject to certain conditions you can still apply to join this scheme. You can register for this insurance by downloading the Supplementary Partner s Pension Registration form. You will then receive confirmation of your membership in this scheme by return of post from the Pension Fund. If you wish to discontinue this insurance, send an to pensioenfonds@heineken.nl stating your particulars such as name, address and policy number. We will then send you the Supplementary Partner s Pension Waiver form by return of post. After we receive this form signed by both you and your partner we will discontinue the insurance on the first of the month following the month in which we receive the form. If you would like additional information and/or would like to know exactly what our pension scheme offers? See the Pension Scheme Rules and Regulations or the Pension Scheme I for Employees Commencing Employment After 31/12/2005.

5 In the event of full disability: Occupational Disability Pension and partial pension accrual In the event that you become fully disabled, subject to certain conditions you will be awarded an Occupational Disability Pension. The Heineken Pension Fund operates a collective disability scheme for which no contribution is required. This scheme implies that for as long as you are more than 80% disabled (i.e. fully disabled) and remain so within the meaning of the WIA (Work and Income According to Capacity Act) you may be entitled to receive benefit from the Heineken Pension Fund to supplement your WIA benefit until you are entitled to receive state pension. Partial pension accrual in the event of full disability If you are more than 80% disabled for a period longer than two years (and therefore fully disabled) you are entitled to a partial continuation of your pension accrual without the need for a contribution on your part. Heineken continues to pay the pension contribution during the continuation of your pension accrual in the event of full disability. You no longer pay the employee s contribution. The partially continued participation in the retirement pension insurance is 1.25% of the applicable pension basis, and the partially continued participation in the partner s pension insurance is 0.875% of the applicable pension basis. Continuation of pension accrual is done on the basis of the pension basis and the part-time percentage that applied when disability commenced. The pension basis is adjusted annually in line with the changed franchise, and periodically in the event of general wage movements at Heineken. Supplementary Occupational Disability Pension If you are a member of the voluntary Supplementary Occupational Disability Pension, then as long as you are and remain fully disabled within the meaning of the WIA (Work and Income According to Capacity Act) you will receive benefit amounting to 10% of your salary up to 47, (2016; fixed annually by the Board) (i.e. a maximum of 4, p.a.). The contribution is income related and stands at a maximum of per month (2016; fixed annually by the Board).

6 Whether you are a member of this scheme is stated on the most recent Uniform Pension Statement under the heading Benefit in the event of disability. If this is not the case, then you failed to register for this insurance in the past. If you would like to take out this insurance, subject to certain conditions you can still apply to join this scheme. You can register for this insurance by downloading the application form for the Supplementary Occupational Disability Scheme. You will then receive confirmation of your membership in this scheme by return of post from the Pension Fund. If you wish to discontinue this insurance you can send an to pensioenfonds@heineken.nl stating your particulars such as name, address and policy number. We will then send you the Supplementary Occupational Disability Scheme waiver form by return of post. After receiving this form complete with your signature we will discontinue the insurance on the first of the month following the month in which we receive the form. If you would like additional information and/or would like to know exactly what our pension scheme offers? See the Pension Scheme Rules and Regulations or the Pension Scheme I for Employees Commencing Employment After 31/12/2005.

7 In the event of partial disability: No Occupational Disability Pension from the HPF If you become 35-80% disabled and therefore partially disabled, then you are not entitled to (supplementary) Occupational Disability Pension. Pension accrual is continued as long as you remain in the employ of Heineken. WGA benefit shortfall insurance and WIA excess insurance In the event of disability (35-80%) you receive only a partial WIA (Work and Income According to Capacity Act) disability benefit. If you have taken out a WGA benefit shortfall insurance then you can prevent this drop in income to a large extent. In the event of partial disability this insurance supplements your statutory occupational disability benefit up to the salary level of 52,767 p.a. (level 2016). If your income is above 52,767 gross per annum (level 2016) then you will probably have taken out a WIA excess insurance through Heineken. To a large extent this insurance prevents your income above 52,767 gross p.a. (level 2016) from dropping in the event of partial disability (35-80%). The WIA excess insurance pays out a sum up to 70% multiplied by the percentage of occupational disability above that part of your maximum annual salary of 52,767 gross (2016). New employees are automatically insured as of their date of employment unless they have signed a waiver for this insurance. It goes without saying that the WIA excess insurance only applies if the new employee earns above the maximum annual salary of 52,767 (2016). Employees who have cancelled this insurance may renew the insurance on the first subsequent contribution due date (1 January each year) subject to certain conditions by completing an application form. Neither the WGA benefit shortfall insurance nor the WIA excess insurance is operated by the Heineken Pension Fund but by Avéro Achmea. To register or cancel this (these) insurance(s) you must contact the HR Services Department at Zoeterwoude, room

8 Further information is obtainable on Heiportal under werken bij > arbeidsvoorwaarden > WGA-verzekering(en).

9 Three pillars AOW: The pension you receive from the state AOW is the statutory state pension. You build up this pension over a period of 50 years. It is only built up if you reside and/or work in the Netherlands. The age at which you will receive AOW is linked to your date of birth. This is because the state pension age will increase over the next few years. The amount of AOW you will receive also differs from one person to another. AOW payments are adjusted every year. Information about AOW and your state pension age can be found on N.B.: If you have not always resided or worked in the Netherlands then your state pension may be lower. B. The pension you accrue through your work You can see the amount of pension you build up in your employer s scheme on your Uniform Pension Statement (UPS). We send you this statement every year. Would you like a list of the pensions you have accrued with other employers? Go to C. Pension supplements you arrange yourself You can arrange to supplement your AOW and the pension you build up through your employer yourself. There are different ways to do this. For instance by depositing savings in the bank or by taking out an insurance an annuity policy for example or by building up extra pension in your pension scheme. Whether you feel this is necessary depends on your financial situation and personal circumstances. A financial adviser can help you make the right choices. You can also take a look at the five pension components to take into account after your retirement on the Nibud website

10 Your pension is accrued in an average-pay pension scheme Every year you build up your pension over part of the pensionable salary you have earned in that year. You do not accrue pension on all your pensionable salary. The Heineken Pension Fund takes into account the AOW you will receive from the state when you retire. That part of your salary over which you do not accrue pension is referred to as franchise. You build up 1.875% annually in retirement pension over your pensionable salary less the franchise. The total pension accrued in this way is the sum of all those years, plus any compensation that is granted. Starting on the date of your retirement (standard retirement age is 67) you will receive this pension every month for the rest of your life. This is referred to as an average-pay pension scheme. If you would like additional information and/or would like to know exactly what our pension scheme offers? See the Pension Scheme Rules and Regulations or the Pension Scheme I for Employees Commencing Employment After 31/12/2005.

11 Accrual percentage Every year you build up pension over part of the pensionable salary you have earned in that year. That part of your salary over which you do not accrue pension is referred to as franchise. You build up 1.875% annually in retirement pension over your pensionable salary less the franchise. Example You earn 25,000 p.a. The franchise is 15,000. In that year you will accrue 1.875% in retirement pension over the pension basis of 10,000. In that year it is therefore Your retirement pension when you retire is the sum of all annually accrued pensions, plus any compensation that may have been granted. If you would like additional information and/or would like to know exactly what our pension scheme offers? See the Pension Scheme Rules and Regulations or the Pension Scheme I for Employees Commencing Employment After 31/12/2005.

12 Who pays for your pension? A contribution is paid for your pension each month. In actual fact the contribution is the price you pay for your pension. Heineken deducts your part of the pension contribution from your gross salary every month. The exact amount you pay is shown on your pay slip. Heineken also contributes towards your pension. The contribution Heineken pays is not shown on your pay slip. The amount your employer pays towards your pension is set out in the CAO (Collective Labour Agreement) or you can ask Heineken for the details.

13 Value transfer If you leave Heineken to take up employment with a different employer you can opt to take the pension you have accrued with Heineken to your new employer s pension provider. This is called value transfer. You must arrange for this value transfer with the pension provider of your new employer. The wisest thing to do is to obtain information in good time beforehand. Whether value transfer is a good choice depends among other things on the financial situation of your current and your new pension provider. Should you decide not to apply for value transfer, then your pension remains with the Heineken Pension Fund and will be paid out to you in due course. You stop contributing to your pension with the Heineken Pension Fund and continue to accrue pension in the scheme run by your new employer. If you start working for Heineken you will receive a Request for Value Transfer Offer form within two months. When completing this form, if you state that you have accrued pension by one or more employer(s), the Heineken Pension Funds initiates the value transfer procedure. The Heineken Pension Fund will then contact your previous pension provider(s). After that the Heineken Pension Fund will provide you with a statement of what you can insure with us in exchange for a transfer of your previous pension and you will be asked whether you agree to the offer. This process can take some time. We advise you to take an average period of six months into account before the process is completed. As soon as your pension entitlements have been transferred to our pension provider you will be sent a new statement of your pension claims, including the transferred claims. If you are unable to find your application form for value transfer you can download the Request for Value Transfer form or send an to pensioenfonds@heineken.nl and include your particulars such as name, address and policy number. You will then receive the Request for Value Transfer form by return of post. You can then return the completed and signed form to us by regular post. You can also choose to send the completed and signed form in PDF format to: pensioenfonds@heineken.nl. We must point out that value transfer will be postponed temporarily if the policy funding ratio of either the Heineken Pension Fund or the pension fund of your new employer is less than 100%. While you can still apply for value transfer, your application will only be dealt with when the policy funding ratio is above 100% again.

14 Voluntary supplementary pension schemes The following voluntary supplementary insurances are available in the Heineken Pension Fund: supplementary partner s pension and/or supplementary occupational disability pension The contribution for these insurances is deducted from your salary by Heineken the same as the contribution for the obligatory pension accrual. Heineken then transfers the contribution to the Heineken Pension Fund. More information about the voluntary supplementary (insurance(s) and the relevant contributions can be found on this website by clicking on the links below; more information is also contained in the Pension Scheme Rules and Regulations and brochures. Read more about Supplementary Partner s Pension Read more about Supplementary Occupational Disability Pension At Heineken you can opt for the following voluntary supplementary insurances that are not run by the HPF but by Avéro Achmea. WGA benefit shortfall insurance and/or WIA excess insurance The contribution for these insurances is deducted from your salary by Heineken the same as the contribution for the obligatory pension accrual. Heineken then transfers the contribution to Avéro Achmea. To register or cancel this (these) insurance(s) you must contact the HR Services Department at Zoeterwoude, room Further information is obtainable on Heiportal under werken bij > arbeidsvoorwaarden > WGA-verzekering(en). Read more about WGA benefit shortfall insurance and/or WIA excess insurance

15 Exchanging retirement pension for extra partner s pension When you retire or leave Heineken and have no or only a small partner s pension for your partner and orphan s pension for your children after your demise, you can exchange part of your retirement pension for partner s pension and orphan s pension. If you decide to do this you then receive less retirement pension. However, your partner and children do receive a higher pension from the Heineken Pension Fund upon your demise. After the exchange, the partner s pension can be no more than 70% of the retirement pension that remains after the exchange. N.B.: this is an option you can choose only once! Once you have chosen either to exchange your retirement pension or not, that choice cannot be undone. If you would like additional information and/or would like to know exactly what our pension scheme offers? See the Pension Scheme Rules and Regulations or the Pension Scheme I for Employees Commencing Employment After 31/12/2005.

16 Exchanging partner s pension for extra retirement pension In addition to your retirement pension you also build up a partner s pension. You can have valid reasons for wanting to exchange the partner s pension for a higher retirement pension. Maybe your partner has a good pension, or maybe you do not have a partner (any more). You can choose to exchange 75, 50 or 25% of the partner s pension on your (early) retirement date. If no partner has been registered for a pension fund member, then the entire partner s pension will be exchanged unless the member himself (herself) objects in writing to the fund at least one month before his/her retirement date. N.B.: this is an option you can choose only once! Once you have chosen to make the exchange, that choice cannot be undone. If you do have a partner who is registered with the pension fund, then he or she must agree to this choice. If you would like additional information and/or would like to know exactly what our pension scheme offers? See the Pension Scheme Rules and Regulations or the Pension Scheme I for Employees Commencing Employment After 31/12/2005.

17 Taking early retirement You can also choose to retire before the age of 67. This implies that your retirement pension will be less. Taking early retirement therefore does have financial consequences. Your pension accrual stops prematurely and your retirement pension is less because on average it will be paid out over a longer period of time. You will also need to take into account that your AOW will possibly commence at a different time than your early retirement. Go to to check when your will AOW start. If you would like additional information and/or would like to know exactly what our pension scheme offers? See the Pension Scheme Rules and Regulations or the Pension Scheme I for Employees Commencing Employment After 31/12/2005.

18 Varying the amount of pension you receive When you reach state pension age you can opt for a 10% higher retirement pension during the period between the first of the month in which you reach state pension age and the first of the month after you turn 70. In exchange, you will receive a lower pension in the years after that. N.B.: this is an option you can choose only once! Once you have chosen to do this, that choice cannot be undone. If you would like additional information and/or would like to know exactly what our pension scheme offers? See the Pension Scheme Rules and Regulations or the Pension Scheme I for Employees Commencing Employment After 31/12/2005.

19 Part-time retirement Instead of taking full retirement all at once you can also opt to have part of your pension start earlier. However, this does imply that the part of your retirement pension you arrange to have paid out earlier will be less. Taking part-time retirement therefore does have financial consequences. Pension accrual stops partially and your retirement pension is reduced. On the other hand you will continue to accrue pension over the time that you do still work. If you would like additional information and/or would like to know exactly what our pension scheme offers? See the Pension Scheme Rules and Regulations or the Pension Scheme I for Employees Commencing Employment After 31/12/2005.

20 Are there any risks involved? Accrual and payment of your pension span a very long period of time. It can even be as long as 80 years from the start of accrual to the last pension payment. The world changes over such a lengthy period of time and therefore risks can always arise that could threaten your pension. These risks can result in a deficit. The Heineken Pension Fund tries to be prepared for the risks that can threaten your pension. But that has not always gone as well as it should in the past. For instance, the rapid increase in life expectancy. This increase is greater than we reckoned with. If fund members become older on average, their pensions have to be paid out over a longer period of time. The Heineken Pension Fund then needs more money than initially counted on. The rate of interest affects the value of pensions. Pension providers make advance calculations of how much money they need to be able to pay out the pensions. The lower the rate of interest, the more money pension providers need to have in their coffers to be able to pay out all the pensions later on. If the rate of interest remains low for a longer period of time, then pensions become more expensive. Investment results can also be disappointing. Hence the Heineken Pension Fund ensures that the investments are spread over different kinds of investment. Profit from one investment can always make up for losses on another. A pension provider can also cover investment risks. But this involves cost. There are also other risks that the Heineken Pension Fund has to take into account to protect your pension as well as possible. Since 2015 pension providers have had to use the so-called policy funding ratio when making decisions. Among other things, the pension fund s policy funding ratio is important when the Board takes decisions on the contribution percentage and the granting of compensation. The policy funding ratio is also an important indicator regarding the issue of whether it is necessary for the pension fund to reduce the pensions. If the policy funding ratio of the pension fund drops below 100%, then it may no longer cooperate in individual value transfers. The policy funding ratio reflects the average over 12 months. Read more about our financial situation and the policy funding ratio that can have consequences for your pension.

21 An inflation-proof pension Generally speaking money slightly drops in value year after year. You could buy less in 2015 than you could with the same amount in This is called inflation. Because of inflation the Heineken Pension Fund tries to grant compensation on your accrued pension. In other words: your accrued pension increases each year in keeping with the general increase in prices. This is what we call an inflation-proof pension. It is not always possible to keep pensions in line with the increase in prices. If finances are disappointing it is always possible that the Heineken Pension Fund is unable to grant compensation either in full or in part. This then means that the value of your pension becomes less. If finances subsequently show an upward trend, extra compensation may be granted on your pension to restore the purchasing power. Over the past few years the Heineken Pension Fund has increased pensions by means of compensation as follows*: Compensation for active members Price increase % % 2% % % % 1.3% % 2% % % 2.55% % 1.76% % 1%

22 The figures shown for price increases are based on the figures published by the CBS.

23 What are the costs for us? The Heineken Pension Fund incurs the following costs to implement the pension scheme. For instance: administration costs. These include the cost of actually paying out the pensions and collecting the contributions. We also incur costs for communication, e.g. for the production and dispatch of this Pension brochure and the Uniform Pension Statement. There are also costs involved in asset management. Investing capital also costs money. For instance we pay those parties we invite to invest our capital. We also incur transaction costs. These are costs charged by the stock market for the purchase or sale of shares or bonds. A specification of the costs we incur can be found in the Annual Report.

24 If you change your employer If you change your employer and consequently become a member of another pension scheme you can choose to take the pension you have accrued with us with you. This is called value transfer. You make this request to your new pension provider. The wisest thing to do is to obtain information in good time beforehand. Whether value transfer is a good choice depends, among other things, on the financial situation of your current and your new pension provider. Should you decide not to apply for value transfer, then your pension remains with the Heineken Pension Fund and will generally be paid out to you when you reach the age of 67. You stop contributing to your pension with the Heineken Pension Fund and continue to accrue pension in the scheme run by your new employer. Read more about value transfer If you are unable to find your application form for value transfer you can download the Request for Value Transfer Offer form. You can then return the completed and signed form to us by regular post. You can also choose to send the completed and signed form in PDF format to: pensioenfonds@heineken.nl.

25 If you become disabled If you become fully disabled (more than 80% disabled) you are entitled to a partial continuation of your pension accrual without the need for a contribution on your part. You may also be entitled to an Occupational Disability Pension. This non-contributory pension accrual and the occupational disability pension depend on the degree of disability. It is important that you map out the consequences of your disability regarding your pension. You do not need to inform us yourself about your disability; we are informed automatically by the Dutch Employee Insurance Agency (UWV). Read more about the pension scheme in the event of above 80% disability (full disability) Read more about the pension scheme in the event of 35-80% disability (partial disability)

26 If you plan to marry, cohabit or enter into a civil partnership Your pension scheme sees marriage or a civil partnership as one and the same. You must check carefully whether your partner is entitled to a partner s pension upon your demise. If you feel that your partner s pension will be inadequate then you must arrange something extra yourself. N.B.: if you cohabit with your partner and are not married, then your partner is not automatically entitled to partner s pension upon your demise. To ensure that your partner is eligible for partner s pension you must meet several conditions, e.g. be in possession of a notarial cohabitation contract. The pension provider must be furnished with a copy of this contract. Read more about partner s pension

27 If you plan to divorce, stop cohabiting or terminate your civil partnership Your partner is entitled to half the retirement pension you have accrued during your marriage or civil partnership. You may make different arrangements with your ex-partner. Any such arrangements must be laid down in the divorce settlement. To ensure that your ex-partner receives part of the retirement pension through the HPF, either you or your ex-partner must inform the pension provider within two years after the divorce by submitting the Notification of Divorce in connection with the apportionment of retirement pension form. We will forward this form on to you at your request. Should you fail to submit this form within two years after your divorce you must arrange the apportionment between yourselves in due course. N.B.: entitlement to part of retirement pension does not apply to unmarried cohabitees. Unmarried cohabitees are responsible for making their own arrangements regarding the apportionment of pension. Your ex-partner is also entitled to the partner s pension you accrued up to the date of your divorce, termination of civil partnership or the end of cohabitation. If you stop cohabiting then your ex-partner is only entitled to partner s pension if the conditions of Pension Scheme I are met. No action is required on your part regarding entitlement to partner s pension. Unless your ex-partner waives entitlement; in that case you must inform the pension fund. As soon as your marriage or civil partnership is removed from the municipal register the Heineken Pension Fund is automatically informed by the BRP (Key Register of Natural Persons). We advise you to contact our Helpdesk, tel.: , preferably before the conclusion of divorce or termination of civil partnership.

28 If you move abroad Inform your pension provider if you move abroad and discuss the consequences with regard to your pension. Request information about the consequences on your state pension from the Social Insurance Bank. Or go to N.B.: you must also inform the Heineken Pension Fund if you change your address in the foreign country where you reside.

29 If you become unemployed Your pension accrual stops if you become unemployed. It is important that you map out the consequences of your unemployment regarding your retirement pension, partner s pension and orphan s pension.

30 If you take an interim period of unpaid leave, e.g. parental leave If you take an interim period of unpaid leave, e.g. parental leave, it will not affect coverage arising from the partner s and orphan s pension for a maximum period of eighteen months. This is in line with the tax laws and regulations. The Heineken Pension Fund also determines the contribution the member concerned is obliged to pay during that period of leave.

31 If you wish to avail yourself of an option The options available are to be found under What options are available? N.B.: once you have made a choice it cannot be undone. Make sure you are well informed before you make a decision.

32 Check how much pension you have accrued once a year on Check how much pension you have accrued once a year on