This is an advertisement. Investment services are provided by OP cooperative banks. OP mutual funds are managed by OP Fund Management Company Ltd. No OP bonuses will accrue from the R2 Crystal fund or institutional classes of funds.

OP Unit-linked Insurance and OP Capital Redemption Contract are issued by OP Life Assurance Company, with OP cooperative bank acting as its agent. You earn OP bonuses from unit-linked insurance policies, excluding individual unit-linked insurance policies and individual capital redemption contracts. The principles of contribution towards OP bonuses from funds linked to insurance assets will be harmonised with direct investments. The following funds linked to insurance assets do not bring OP bonuses: third-party funds such as JP Morgan funds, structured bonds/notes and institutional class funds.