*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 nor from institutional classes of funds.
**Switch between insurance investment instruments in digital channels €0.
****The following investment products linked to the insurance assets do not bring OP bonuses from 1 April 2022: JPM Russia A, JPM Emerging Europe Equity Fund and BlackRock GF Emerging Europe Fund A.
Equity savings account, book-entry account and 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. OP Unit-linked insurance is issued by OP Life Assurance Company Ltd, with OP cooperative bank acting as its agent.