Under the Agreement, if a Number Holder (NH) has at least six quarters of U.S. coverage, but not enough to be insured for regular U.S. benefits, the NH's credits under the Finnish Earnings-Related
Pension system can be added to the NH's U.S. coverage to permit the NH (and any eligible
dependents or survivors) to qualify for U.S. Totalization benefits. Residence-based
credits under the National Pension are not usable to determine entitlement to U.S.
Totalization benefits.