Contribution Table Contribution NAVPU on No.

of units
Contribution Date Purchased
01/31/2013 15000 370.7702 4.0456
02/28/2013 15000 394.3268 3.8040
03/27/2013 15000 412.5489 3.6359
04/30/2013 15000 430.5285 3.4841
05/31/2013 15000 429.5408 3.4921
06/28/2013 15000 393.0881 3.8159
07/31/2013 15000 404.4836 3.7084
08/30/2013 15000 372.1814 4.0303
09/30/2013 15000 378.4200 3.9638
10/31/2013 15000 397.3460 3.7750
11/29/2013 15000 377.0245 3.9785
12/27/2013 15000 360.9119 4.1561
01/30/2014 15000 369.8645 4.0555
02/28/2014 15000 390.8519 3.8377
03/31/2014 15000 392.0836 3.8257
04/30/2014 15000 410.8259 3.6512
05/30/2014 15000 408.1833 3.6748
06/30/2014 15000 418.5748 3.5836
07/31/2014 15000 419.2874 3.5775
08/29/2014 15000 430.0665 3.4878
09/30/2014 15000 444.3241 3.3759
10/31/2014 15000 441.4058 3.3982
11/28/2014 15000 445.8329 3.3645
12/29/2014 15000 441.2226 3.4000
01/30/2015 15000 461.3014 3.2517
02/27/2015 15000 463.2193 3.2382
03/31/2015 15000 475.2249 3.1564
04/30/2015 15000 461.8169 3.2480
05/29/2015 15000 449.1552 3.3340
06/30/2015 15000 445.4461 3.3674
07/31/2015 15000 444.8016 3.3723
08/28/2015 15000 423.6555 3.5406
09/30/2015 15000 414.9527 3.6149
10/30/2015 15000 427.2242 3.5110
11/27/2015 15000 414.5921 3.6180
12/29/2015 15000 413.3101 3.6292
Contribution Table Contribution NAVPU on No. of units
Contribution Date Purchased
01/29/2016 15000 394.2383 3.8048
02/29/2016 15000 397.4213 3.7743
03/31/2016 15000 429.3040 3.4940
04/29/2016 15000 424.3036 3.5352
05/31/2016 15000 436.8658 3.4335
06/30/2016 15000 457.9700 3.2753
07/29/2016 15000 471.3838 3.1821
08/31/2016 15000 461.2708 3.2519
09/30/2016 15000 452.4814 3.3151
10/28/2016 15000 437.4453 3.4290
11/29/2016 15000 405.1496 3.7023
12/29/2016 15000 407.5681 3.6804
01/31/2017 15000 425.8783 3.5221
02/28/2017 15000 422.8117 3.5477
03/31/2017 15000 424.1940 3.5361
04/27/2017 15000 441.0321 3.4011
05/31/2017 15000 454.0778 3.3034
06/30/2017 15000 452.2041 3.3171
07/31/2017 15000 464.6943 3.2279
08/31/2017 15000 466.5314 3.2152
09/29/2017 15000 476.4327 3.1484
10/30/2017 15000 482.5502 3.1085
11/29/2017 15000 475.9593 3.1515
12/29/2017 15000 489.6677 3.0633

TOTAL 90,000.00 211.424

Market Value NAVPU on 12/29/2017 x Total No. Of 103,527.50
Units Purchased
BUSINESS PROPOSAL

Why Choose BDO as your investment bank:

1. Competitive Advantages

The following are competitive advantages that differentiate BDO from other banking
stations:

 BDO Unibank is a memeber of the SM Group, one of the country’s largest and
most successful conglomerates with with businesses spanning retail, mail
oprerations, property development (residential, commercial, resorts/hotels),
and financial services.

 BDO Unibank has one of the industry’s strongest Board of Directors

composed of professionals with extensive experience in various fields.

 BDO Unibank is the country’s leading lender and leading bank in the
Philippines, based on metrics used by The Banker: Strength, size, healthy
earnings, and stable performance

 It has improved its global ranking among the banks this year by 12 notches to
243rd place, based on the roster of “Top 1,000 World Banks” drawn annually
by London-based publication The Banker

 Other banks also made it to this year’s roster: Metrobank (285th);

Bank of the Philippine Islands (344th); Philippine National Bank
 (511st); Land Bank of the Philippines (652nd); Security Bank (655th);
Rizal Commercial Banking Corp. (660th); Rizal Commercial Banking
Corp. (660th); China Bank (699th)’ Union Bank (760th); East West
Bank (920nd); and Philtrust Bank (997th).

 BDO Unibank has advanced its standing in the list of the Top 1000 World
Banks 2015

 Company recognition

BDO is the most awarded bank in the Philippines, a recipient of multiple

awards from various local and international award-giving bodies and financial
organizations in Asia, Europe, and other regions for both institutional and product
excellence.

BDO is proud to be a consistent winner in domestic and international banking

awards in the last two decades, continuously earning awards in categories like
private banking, investment banking, asset and fund management, and bonds and
equities, including our environment, social, and governance initiatives.

Among our recent awards in 2018 are:

 “2018 Best Bank in the Philippines” by Finance Asia and Alpha Southeast
Asia

 “2018 Best Domestic Bank” by Euromoney’s Asiamoney Best Bank

Awards

 “2018 Strongest Bank in the Philippines” by The Asian Banker Strongest

Banks by Balance Sheet

 “2018 Best Domestic Bank” by The Asset Triple A Country Awards

  “2018 Best Deposit Product” by The Asian Banker Excellence Strongest
Banks

 “2018 Best Mobile Payments Initiative” by The Asian Banker Excellence

Strongest Banks

 “Most Outstanding Company in the Philippines - Financials” from

Asiamoney Asia’s Outstanding Conpanies Poll

 “ 2018 Best Safest Bank” from The Best Safest Bank by Global Finance
World

 “2018 Best Foreign Exchange Provider” from The Best Foreign Exchange
Providers by Global Finance World

 “Best Investment Bank” from The Best Bank Awards by Global Finance
World

 “Platinum Award” by the Asset Corporate Awards

A few chosen awards include:

 During 11th Annual Best Deal & Solution Awards 2017:

 “Best Bond Deal for Retail Investors in Southeast Asia 2017”

 “Best Leveraged Finance Backed M&A Deal in Southeast Asia”

 “Best Deal in Southeast Asia 2017”

 During 12th Annual Best FI Awards 2018:

 “Best Bank, Philippines”

 “Best Investment Bank”

 “Best Cash Management Bank”

 “Best Private Wealth Management Bank”

 Under Reader’s Digest Trusted Brands 2018

 “Gold Trusted Brand Award - Bank Category”

 “Gold Trusted Brand Award - Credit Card Issuing Bank”

  “Gold Trusted Brand Award - Investment Fund category”

 “Gold Trusted Brand Award - Personal Loans category”

 Under The Asset Triple A Asia Infrastructure Awards 2018:

 Project Finance House of the Year, Philippines - BDO Capital”

 Energy/Renewable Energy Deal of the Year, Philippines - BDO

Capital”

 Power Deal of the Year, Philippines - BDO Capital”

 Most Innovative Deal of the Year, Philippines - BDO Capital”

 “Corporate Social Responsibility of the Year - Gold (BDO Foundation)” by

Asian Banking & Finance Retail Banking Awards 2018

 “Onshore Fund House of the Year in the Philippines (2016-2018)” by

Asian Investors Asset Management Awards 2018

 Under The Asset triple A Benchmark Research Awards 2018: House and
Astute Investor Awards:

 “BDO Unibank, Top Investment House in Asian G3 Bond Benchmark

Review 2018, Philippines Rank 1”

 Expertise and Stability

 Technology

 Customer Service

 Others

2. Success Stories

There’s no convenience like having a BDO branch in nearly any corner. Choose BDO:
the bank with the widest ATM and branch network ready to serve you.
Time deposit formula

If you want to gain a Php 100,000.00 in 5 years with an interest rate of 0.075%, how
much should you deposit in the bank?

This query is answerable by the formula:

A
P , where A is the maturity value, r as the interest rate, and t as time
1  rt

100,000
P
1  0.00755

P  96,385.54

If you want to gain Php 100,000.00 in five years, then deposit Php 96,385.54 now in
any of our BDO branches.

If you want to know how much is its interest just multiply the Principal, interest rate, and
time. It is given in this formula: I  Pr t

I  96,385.540.00755

I  3,614.46

Or you can simply subtract your principal from your desired amount (maturity value).

Given by this formula: I  A P

I  100,000  96,385.54
I  3,614.46
 Another investment scheme offered by BDO is the Easy Investment Plan (EIP).
This is the investment scheme where you invest a fixed amount of money at regular
periods over a good length of time.

There are no complications in this investment because everything works

automatically. Upon enrollment, BDO will just debit your decided amount from your
BDO deposit account continuously until you give a stop order. This allows you to
conveniently practice Cost Averaging in your investment. It’s also affordable because
the minimum investment is only P1,000 per month.

There are three categories on which you can place your deposit in the best
probable place and the best possible return with regards to your preferred risks.

First is the CONSERVATIVE TYPE OF RISK. This is suitable for risk-averse

investors who are looking for safe and liquid investments with yields relatively higher
than those of savings and time deposit accounts.

Second is the MODERATE TYPE, where the investors are risk-tolerant. This
investment is suitable for those individuals who are looking for higher yields and are
willing to take the attendant risks due to the medium term nature of the fund’s
investments.

Third is the AGGRESSIVE TYPE. This type of investment is quite popular

among risk-taking investors who are aware of the opportunity for high yields that
stock market investments may provide but are also knowledgeable of the possibility
of capital losses that such investments may entail.

Under each type of investment is a specific investment offer.

Under CONSERVATIVE INVESTMENT is:

BDO Peso Money Market Fund
BDO Dollar Money Market Fund

Under MODERATE INVESTMENT is:

BDO Peso/Dollar Bond Fund
 BDO GS Fund
BDO Fixed Income Fund
EPCIB US Dollar Fund

Under AGGRESSIVE INVESTMENT is:

BDO Peso Balanced Fund
BDO Equity Fund

Here, I’ll just choose one offer in each risk category to illustrate to you how you
could have Php 1,000,000.00 in the next five years or less, if you analyze it.

Let us first tackle the BDO Peso Money Market Fund.

BDO Peso Money Market Fund is the investment option where safety and
liquidity are the main considerations. It aims to preserve capital and generate income
from low-risk fixed income securities.

Next, let us tackle the BDO Fixed Income Fund.

BDO Fixed Income Fund aims to provide a high level of income with
preservation of principal and maintenance of liquidity by investing in a combination
of short to long-term fixed-income securities.
 Lastly, let us undertake the BDO Equity Fund.

BDO Equity Fund is an open-end unit trust incorporated in the Philippines. It’s
objective is to provide investors with higher returns through stock market investment
at significant price volatilities. An Equity Fund is a mutual fund that invests
principally in stocks.