This is the customer newsletter of financial service providers Luminor Bank AS, Luminor Liising AS and Luminor Pensions Estonia AS (together Luminor). Before concluding any agreements, please make sure to read the terms and conditions and if necessary, consult an expert. Before joining pension funds, we recommend reading the main information about the fund and the prospect on the webpage luminor.ee/pension or on the premises of the fund manager. Luminor proceeds from principles of protection of personal information when using its customers` data.