This is an advertisement. OP Fund Management 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’s mutual funds are managed by OP Fund Management Company Ltd, which holds a license issued by the Financial Supervisory Authority to operate as a fund management company and alternative investment fund manager. The portfolio management of OP’s mutual funds is handled by the portfolio management firm specified in the OP Funds prospectus. 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 a mutual fund is marketed abroad, OP Fund Management Company Ltd may decide to discontinue such marketing. Any investment decision must take into account all of the investment fund’s characteristics or objectives as described in the OP Funds prospectus and other documents relating to the investment fund. Before making a final investment decision, please review the investment fund’s key information document, prospectus, and rules. The main risks associated with the investment fund are outlined in the key information document, and a more comprehensive list of risks can be found in the prospectus. The key investor information documents and rules for investment funds are available from the fund manager and the website. The prospectus and the summary of investor rights regarding investment funds are available on the website. The documents mentioned above are available in Finnish, Swedish, and English. Copying, publishing, or distributing this material, in whole or in part, to third parties is not permitted without OP’s written consent. By accepting this material, you agree to comply with the above guidelines and restrictions.