Wealth management is provided by your OP cooperative bank or by OP Asset Management Ltd. This is an advertisement. OP Fund Management Company Ltd and OP Asset Management Ltd (later, “OP Asset Management”) have prepared this content as background information. The information presented in the content is based on sources that the authors consider reliable. The content is not intended to provide, and cannot be regarded as, a full and exhaustive description of the products, services and the risks involved. This content does not constitute investment advice and is not intended as an offer to buy or trade any securities or as encouragement to buy or sell financial instruments of any kind. The value of an individual financial instrument increases and decreases in accordance with developments in markets, and past performance should not be seen as an indication of future performance. No decisions or agreements shall be concluded on the basis of this content. Even though the content has been prepared with care and the aim has been to ensure that all presented information is accurate, the writers or their employees assume no responsibility for the content of the website, the financial result of investment decisions based on information obtained from the website, or for any other loss that may arise from using information contained in the website.

OP’s funds are managed by OP Fund Management Company Ltd, which is a fund management company and alternative investment fund manager licensed by the Finnish Financial Supervisory Authority. The fund’s portfolio management is provided by OP Asset Management, which has a licence for the provision of investment services issued by the Finnish Financial Supervisory Authority. Investments always involve risks. The value of investments can rise and fall, and an investor can lose part or all of the invested money. Before making an investment decision, take all the characteristics or objectives of the mutual fund into consideration, as described in the fund prospectus for OP funds and other documents related to the special common fund. Before you make any final investment decision, read more about the special common fund’s Key Information Document/Key Investor Information Document and the fund prospectus. The main risks associated with special common funds can be found in the Key Information Document, and a more detailed list of risks in the fund prospectus. The Key Information Documents and rules of special common funds are available from the Asset Manager and OP’s website. The funds prospectus is available on the website. The documents are available in Finnish, Swedish and English. Copying, publishing or distributing this content to a third party in full or in part is not permitted without written permission from OP. By accepting this presentation, you agree to follow the above instructions and restrictions.

OP Asset Management is an investment firm under OP Pohjola. OP Asset Management provides institutional clients, other entities and wealthy individuals with asset and wealth management services. OP Fund Management Company Ltd also acts as the portfolio manager for OP funds and as the insurance agent for OP Life Assurance Company Ltd. Unit-linked insurance policies are granted by OP Life Assurance Company Ltd, which also owns the investment baskets. This content is considered general market information and marketing material that does not fulfil the conditions of independent investment research, nor is it subject to the restrictions concerning trading before the publication of investment research. OP Corporate Bank plc produces independent investment research at OP Pohjola.