NOWO 5.14.1

With Med Nowo, you can save step by step towards a better future. You save little by little without impacting your current lifestyle. The app is free of charge, and your savings are covered by deposit insurance and government investor protection.

OUR SAVING METHODS:

• Salary Savings: Automatically save when you receive your salary. Choose in the app the day you want your savings to occur and how much money you want to save.
• Step-savings: A form of saving that helps you save throughout the month without feeling financially strained. Divide your monthly savings over the month to save more just after payday, then decrease your savings week by week.
• Quick Save with One Click: Make one-time deposits to your Nowo savings instantly through the app. Your money will be invested directly through the Nowo Global Fund.
• Save for Your Child's Future: Start a monthly child-focused savings plan that allows you to decide when your child is mature enough to inherit the money saved without it being in their name.
• Everyday Savings: Save a small amount daily using our Daily Savings feature. You determine how much or how little your finances can handle saving each day.
• Cashback on Purchases: Access discounts and offers at hundreds of partner stores through Nowo, where your purchases earn you cashback for your pension savings.
• Auto-save: Initiate a monthly savings plan that adjusts based on your spending. Connect your bank card to Nowo and save every time you make a purchase.
• Complete Surveys: Exchange your time for money by answering surveys in the Nowo app and receive rewards deposited into your savings.
• Save While Walking: Achieve your daily step goal and get a free spin on our Wheel of Fortune. You can win money for your savings. This feature syncs with your health app to track your daily steps.

Want to elevate your saving goals rapidly for retirement? Nowo+ offers a subscription service with advanced features and insights, including access to a certified pension expert who helps enhance and review all aspects of your pension plan to help you reach your goals faster.

The funds saved are placed in the Nowo Global Fund for optimal returns. With an annual average return of 9% since inception, the Nowo Global Fund is highly rated by Morningstar for performance.

As a member, you save in the Nowo Global Fund managed by our subsidiary QQM Fund Management AB. Historically, funds have been an effective way to grow money, but keep in mind that fund investments can both increase and decrease in value, and there is no guarantee of full return on invested capital.

Get Started with NOWO:
1. Download the free Nowo app and register.
2. When joining Nowo for the first time, open an Investment Savings Account (ISK) via the app using BankID. Your saved funds will automatically transfer to your ISK.
3. Once you have the app, easily set up automated savings through one of our saving methods to reach your goals and dreams for the future.