This is an advertisement. OP Fund Management Company Ltd and OP Asset Management Ltd have prepared this material for informational purposes. The information presented in this document is based on sources that the authors consider reliable. However, no guarantees can be given as to the accuracy or completeness of the information or opinions contained in this material. This material is not intended to provide, nor should the recipient assume that it provides, a comprehensive or complete description of the product and the risks associated with it. Although every effort has been made to ensure the accuracy of the information presented in this material, neither the authors nor their staff are responsible for the content of this material, and no decisions or agreements should be made based on it. 

This material does not constitute a binding offer or a proposal to purchase or subscribe for fund shares, nor does the material or its content form the basis for any agreement or commitment. 

OP Pohjola'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 portfolio manager of OP Pohjola's funds is the portfolio management company specified in the funds prospectus for OP Pohjola funds. Investing always involves risks. The value of investments may rise or fall, and investors may lose some or all of their invested capital. Future returns cannot be inferred from past performance. Any future returns will also depend on taxation, which in turn depends on each investor's personal circumstances and may change in the future. If the fund is marketed outside Finland, OP Fund Management Company Ltd may decide to end such marketing. Before making an investment decision, take all the characteristics or objectives of the fund into consideration, as described in the funds prospectus for OP Pohjola funds and other documents related to the fund. Only make your investment decision after reading the mutual fund's Key Information Document, the funds prospectus, and the rules of the fund. These are available from your asset manager or at op.fi/all-funds. The main risks associated with mutual funds can be found in the Key Information Document, and a more detailed list of risks is presented in the funds prospectus. A summary of investors' rights can be found at op.fi/ops-fund-publications. These documents are available in Finnish, Swedish and English. Copying, publishing or distributing this material to a third party in full or in part is not permitted without written permission from OP Pohjola. By accepting this material, you agree to follow the instructions and restrictions mentioned above.