Normal transaction costs will be charged for the following special common funds: OP-Public Services Real Estate, OP-Forest Owner, OP-Rental Yield and OP-Alternative Portfolio. No OP bonuses will accrue from the R2 Crystal fund or institutional classes of funds. Stock investment services are provided by OP cooperative bank. OP funds are managed by OP Fund Management Company Ltd, with OP cooperative bank acting as its agent. Home loans and interest rate protection are granted by OP cooperative banks.