Account Name:

Account ID: Date:

Account Opening Update Kit

Unit Investment Trust Fund

(For Individuals and Corporates)

BDO Trust and Investments Group

UITFs are also available via BDO Personal Online Banking.

Visit us at https://www.bdo.com.ph/trust for complete details.

Page 1
Start your journey in 5 simple steps

1 Getting
to know you.
Your journey starts with us getting to know
you. The Client Suitability Assessment or CSA
4 Open an
will help us understand your investor
personality based on your investment
objectives, experience and time horizon, risk
appetite, and liquidity requirements. This will
recommend the most suitable BDO UITF/s to
achieve your investment goal.
account.
Continue with your journey and sign the
Declaration of Investor/s and the Omnibus
Participating Trust Agreement.
The Declaration of Investor/s lets us know that
you have read and understood the CSA
process and agree on the recommendations
made on your investments. The signing of the
Omnibus Participating Trust Agreement
conditions of investing in BDO UITFs.
If you are opening a joint account, you may

2
Select the fund
Your CSA score will determine the BDO UITF/s
Investment Policy Statement (IPS) lists the
choose to execute, together with your
co-account holder/s, the Survivorship
Agreement. It is an agreement where the
account holders agree that upon the untimely
demise of one of them, the amounts in the
joint account will belong to the surviving
account holders.

and tolerance for risks.

If you want to invest in a BDO UITF with a
higher risk than what is recommended, you will
need to accomplish and sign the "Waiver for
Clients Investing in Product with Higher Risks".
This will allow you to invest in BDO UITFs with
5 Start
Investing!
provide you with a copy of the Omnibus
Participating Trust Agreement and Risk
higher risks in exchange for potentially higher
Disclosure Statement to signify approval.
returns.
Congratulations, you are now investing in
BDO UITFs.

3 Understand the
rewards and risks
when you invest.
Investing provides potential rewards in the
long run by taking on risks. As a prudent
investor, you must also understand the

risks will be presented to you via the Risk

Disclosure Statement. When you have

UITF marketing personnel.

Page 2

Amount You Intend To Invest?
() Check the best answer for you:
1. What is your primary investment objective?
 To preserve my principal investment (Capital
Preservation)
 To have a stable source of income that can sustain
against rising prices (Stability)
 To generate capital and income growth in the long term
(Growth)
 To generate capital and income growth in the short
term by trading (Trading)
2. Which of the following best describes your
 I earn enough salary/income with very little excess
funds after expenses
 I am able to set aside a modest amount for savings
and investments after expenses
 I am able to set aside a substantial amount for
investments after expenses
 I do not need my salary/income to cover my expenses
3. This amount you intend to invest represents:
 0% - 25% of my investible funds
 26% - 50% of my investible funds
 51% - 75% of my investible funds
 76% - 100% of my investible funds
4. How would you rate yourself as an investor?
 Very experienced and very knowledgeable on hedging
and investments - I am currently invested or had
portfolio which may contain PHP/USD and other
developed market currency-denominated investments
in considerable presence of high-risk investment
products/outlets, such as:
• Structured Investment Products (e.g. structured
notes/bonds linked to FX, equity, commodity, credit,
other derivatives)
• Derivatives for Hedging (e.g. swaps, options, etc.)
• Commodity (spot and futures)
• Securitization (e.g. asset backed securities, REIT’s,
collateralized debt obligations (CDO), etc.)
 Fairly experienced and knowledgeable on investments
and/or basic hedging - I am currently invested or had
High-risk investments still account for <50% of my
investment portfolio. These products may include:
• Stocks and equity funds in PHP/USD and/or other
developed market currencies (balanced and equity
funds, global feeder funds, futures, exchange traded
funds (ETFs), etc.)
• Subordinated securities in PHP/USD and/or other
developed market currencies (e.g. preferred shares,
perpetual capital notes, bank tier 1 and 2 issues)
• Foreign Exchange (spot and forwards)
Getting to Know Yourself as an Investor
Client Suitability Assessment (CSA)
Where Do You Intend To Use The Fund?
(i.e. education of children, travel, retirement etc.)
Score () Check the best answer for you: Score
 Little experience and knowledge on investments 2
1 - I am currently invested or had actual experience in
basic investment instruments such as those listed below.
2 instruments such as:
• Money market funds/placements, treasury bills in PHP/
3 USD and/or other developed market currencies
• Fixed income securities and bond funds in PHP/USD and/
4 or other developed market currencies (e.g. government
securities, corporate bonds, bond funds, etc.)
 No experience and knowledge on investments 1
(e.g. Cash and/or time deposits only)
1 5. How long do you intend to keep your fund
invested?
2  Within a year 1
 More than a year to three (3) years 2
3
 3
 4
4
6. How important is liquidity (ease of converting
investment to cash) of an investment to you?
4  Very important - can be executed immediately 1
3  Modestly important - can be executed within 1-2 days 2
2  Slightly important – can be executed within a week 3
1  Not important 4
7. For this investment, what is the maximum risk that
you are willing to take?
4  No risk of decrease in principal investment. I want to 1
keep my funds intact, returns are secondary only.
 Minimal risk but minimal returns. I want to gain stable 2
returns from my investments, higher than the traditional
bank deposit products and I am willing to take some
risks (+/-5% on price change; less than 10% possible
loss)
 Moderate risk with moderate returns. I want to make 3
my funds grow and I am willing to put this in securities
that will require a longer time horizon or in a mixed of
change; 10%-20% possible loss)
 High risk with high returns. I want the maximum growth 4
heavily in equities for a considerable length of time
because I understand I need to ride the ups and downs
3 of the market for potential higher returns. (greater than
+/-10% on price change; 21%-50% possible loss)
Type Score General Investment Approach
less than 8
Conservative Invests primarily in bank deposits
points
Invests primarily in money market
Moderate 8 – 14 points instruments, prime lending and/or
bonds
15 – 21
Balanced
points securities and equities
22 – 28 Invests majority of its portfolio in
Aggressive
points equities
Client’s Score: ________________
Page 3
 • Searching for temporary parking of • Looking for higher potential • Investing in the top 30 stocks that
your excess funds returns and is willing to take comprise the Philippine Stock
• Building your emergency fund higher risks compared to the Exchange index (PSEi)
• Comfortable with minimal BDO GS Fund • Looking for a passive strategy
IF YOU ARE AN INVESTOR price movements but wants • Comfortable with investing in fund and comfortable with returns
WHO IS both government securities and that track the performance of the
investments at any time corporate bonds PSEi
• Investing with a time horizon of at • Investing with a time horizon of at • Investing with a time horizon of
least six (6) months least three (3) years more than three (3) years

Moderate Aggressive

Product Short Name  BDO Money Market Fund  BDO Bond Fund  BDO Equity Index Fund

Fund Type Money Market Fund Medium-Term Bond Fund Equity Fund

Investment Objective Capital Preservation Income and Capital Preservation Capital Growth

Recommended Investment
At least six (6) months At least three (3) years More than three (3) years
Time Horizon

Time deposits and low risk Short- to long-term bonds and Portfolio of stocks that comprise the
Investment Outlets
components of the PSEi

Minimum Investment / Additional /

Php 100,000 Php 10,000 Php 10,000
Maintaining Participation

Minimum Holding Period None 30 calendar days 30 calendar days

0.50% 0.50%
Early Redemption Fee None
of original participation amount of original participation amount

Up to 11:30 a.m. Up to 2:30 p.m. Up to 2:30 p.m.

Dealing Period
Any banking day Any banking day Any banking day

After 4:00 p.m. 1 banking day 4 banking days

Settlement Period Same banking day After notice of redemption is After notice of redemption is
the notice of redemption is received received received

Trust Fee 0.50% p.a. 1.00% p.a. 1.00% p.a.

BDO Peso Money Market Fund BDO Peso Bond Fund BDO Equity Index Fund
Product Name
(PMMF) (PBF) (EQIF)
1. Interest Rate Risk
1. Interest Rate Risk
2. Market/Price Risk
2. Market/Price Risk 1. Market/Price Risk
3. Liquidity Risk
3. Credit/Default Risk 2. Liquidity Risk
4. Credit/Default Risk
4. Reinvestment Risk
5. Reinvestment Risk

Date of Participation

Signature of Investor/s

Explained By
(Signature over Printed Name of

*Under this Account Opening/Update Kit (AOK), for joint accounts, words denoting the singular number shall include the plural, unless the context otherwise requires.

Page 4
 Investment Policy Statement (IPS)

After an assessment made through the CSA based on the discussion with you, the following marked  UITF/s are duly recommended:

• Seeking steady price movements for your US
Dollars
• Looking for temporary parking of your US
Dollars
• Building your US Dollar reserve fund
• Comfortable with minimal returns but has the
time
• Willing and capable of staying invested for at
least 30 days to six (6) months
• Looking for higher returns and willing to take in
more risks compared to the BDO $ Bond Fund
• Comfortable with investing in US Dollar-
denominated medium to long-term bonds
issued by the Philippine government and local
corporations
• Willing and capable of staying invested for at
least three (3) years
•
portfolio of stocks from developed countries
that track the return of the Morgan Stanley
Capital International (MSCI) World Index
• Willing and capable of staying invested for
more than three (3) years

Moderate Aggressive

 BDO $ Money Market Fund  BDO $ Medium Term Fund  BDO Global Equity Index Fund

Money Market Fund Medium-Term Bond Fund Equity Fund

Capital Preservation Income and Capital Preservation Capital Growth

At least six (6) months At least three (3) years More than three (3) years

BlackRock Global Index Funds (BGIF)

iShares World Equity Index Fund
Medium to long-term bonds and
(Class A2 USD Share Class with ISIN
income securities
LU0836512615***)
which tracks the return of the MSCI World Index

USD 2,000 USD 2,000 USD 2,000

None 30 calendar days None

1.00%
None None
of original participation amount
Up to 2:30 p.m.
Up to 11:30 a.m. Up to 2:30 p.m.
Any banking day
Any banking day Any banking day
(for value date the next banking day)
After 4:00 p.m. 3 banking days 6 banking days
Same banking day After notice of redemption is After notice of redemption order
the notice of redemption is received received is received

0.50% p.a. 1.00% p.a. 0.50% p.a.

If the product/s I have chosen is/are inconsistent with the result of my CSA, I waive such results accordingly.

, you
may type in the code for more information about the target fund or you may log in to www.bdo.com.ph for information on the target funds.

BDO Dollar Money Market Fund BDO Medium Term Dollar Bond Fund BDO Global Equity Index Feeder Fund
(DMMF) (MTDBF) (GEIFF)
1. Interest Rate Risk
1. Interest Rate Risk 1. Market/Price Risk
2. Market/Price Risk
2. Market/Price Risk 2. Liquidity Risk
3. Liquidity Risk
3. Credit/Default Risk 3. Foreign Exchange Risk
4. Credit/Default Risk
4. Reinvestment Risk 4. Country Risk
5. Reinvestment Risk

Page 5
 • Searching for temporary parking of • Searching for higher potential • Looking for higher potential
your excess funds returns on your investments returns but not willing to invest
• Building your emergency fund compared to money market funds fully in stocks
• Comfortable with minimal • Comfortable with investing in • Comfortable in taking advantage
price movements but wants bonds backed by the Philippine of investment opportunities in
IF YOU ARE AN INVESTOR government bonds and stocks
WHO IS investments at any time • Investing with a time horizon of at • Investing with a time horizon of
• Investing with a time horizon of at least three (3) years more than three (3) years
least one (1) year

Moderate Balanced

Product Short Name  BDO Short Term Fund  BDO GS Fund  BDO Balanced Fund

Fund Type Money Market Fund Medium-Term Bond Fund Balanced Fund

Investment Objective Capital Preservation Income and Capital Preservation Capital Growth

Recommended Investment
At least one (1) year At least three (3) years More than three (3) years
Time Horizon

Time deposits and low risk

Investment Outlets Government securities Fixed income securities and stocks

Minimum Investment / Additional /

Php 10,000 Php 100,000 Php 10,000
Maintaining Participation

Minimum Holding Period None 30 calendar days 30 calendar days

0.50% 0.50%
Early Redemption Fee None
of original participation amount of original participation amount

Up to 2:30 p.m. Up to 2:30 p.m. Up to 2:30 p.m.

Dealing Period
Any banking day Any banking day Any banking day

1 banking day 1 banking day 4 banking days

Settlement Period After notice of redemption is After notice of redemption is After notice of redemption is
received received received

Trust Fee 0.25% p.a. 1.00% p.a. 1.00% p.a.

BDO Short Term Fund BDO GS Fund BDO Peso Balanced Fund
Product Name
(STF) (GS FUND) (PBAL)
1. Interest Rate Risk
1. Interest Rate Risk 1. Interest Rate Risk
2. Market/Price Risk
2. Market/Price Risk 2. Market/Price Risk
3. Liquidity Risk
3. Credit/Default Risk 3. Liquidity Risk
4. Credit/Default Risk
4. Reinvestment Risk 4. Reinvestment Risk
5. Reinvestment Risk

Date of Participation

Signature of Investor/s

Explained By
(Signature over Printed Name of

(Applicable to ESG, SDF, FEF only)

Additional Explanation
And Details Provided By
(Indicate Date And Time Of Call)
*Under this Account Opening/Update Kit (AOK), for joint accounts, words denoting the singular number shall include the plural, unless the context otherwise requires.

Page 6

After an assessment made through the CSA based on the discussion with you, the following marked  UITF/s are duly recommended:
• Seeking to achieve higher
potential returns over the
PSEi
• Comfortable with diversifying
into a portfolio of stocks of
Philippine corporations that
have growth potential
• Investing with a time horizon
of more than three (3) years
 BDO Equity Fund
Equity Fund
Capital Growth
More than three (3) years
Php 10,000
30 calendar days
1.00%
of original participation
amount
Up to 2:30 p.m.
Any banking day
4 banking days
After notice of redemption is
received
1.00% p.a.
If the product/s I have chosen is/are inconsistent with the result of my CSA, I waive such results accordingly.
BDO Equity Fund
(EQUITY)
1. Market/Price Risk
2. Liquidity Risk
• Supporting corporations that
exhibit responsible and good
environmental, social and
governance practices
• Comfortable with growing
your funds through a socially
responsible way
• Willing and capable to stay
invested for more than three
(3) years
Aggressive
 BDO ESG Fund
Equity Fund
Capital Growth
More than three (3) years
Portfolio of stocks which
exhibit good environmental,
social and governance
(ESG) practices
Php 10,000
30 calendar days
1.00%
of original participation
amount
Up to 2:30 p.m.
Any banking day
4 banking days
After notice of redemption is
received
1.00% p.a.
BDO ESG Equity Fund
(ESG)
1. Market/Price Risk
2. Liquidity Risk
• Looking to grow your funds
through capital appreciation
and dividend income
• Comfortable with investing
in a portfolio of stocks that
has a history of dividend
pay-outs
• Willing and capable to stay
invested for more than three
(3) years
 BDO Dividend Fund
Equity Fund
Capital Growth
More than three (3) years
Portfolio of stocks with
sustainable earnings and
dividend yields
Php 10,000
30 calendar days
1.00%
of original participation
amount
Up to 2:30 p.m.
Any banking day
4 banking days
After notice of redemption is
received
1.25% p.a.
BDO Sustainable Dividend
Fund (SDF)
1. Market/Price Risk
2. Liquidity Risk
Investment Policy Statement (IPS)
• Looking for higher potential
returns and is willing to take
more risks compared to the
BDO Equity Fund
• Comfortable with investing
in a concentrated portfolio
of stocks which has
higher potential for price
appreciation
• Willing and capable to stay
invested for more than three
(3) years
 BDO Focused Fund
Equity Fund
Capital Growth
More than three (3) years
Concentrated portfolio of
stocks focused on strong
long-term growth
Php 10,000
30 calendar days
1.00%
of original participation
amount
Up to 2:30 p.m.
Any banking day
4 banking days
After notice of redemption is
received
1.50% p.a.
BDO Focused Equity Fund
(FEF)
1. Market/Price Risk
2. Liquidity Risk
• Looking for higher potential
returns from a portfolio of
income investments
• Comfortable with investing
in USD-denominated time
deposits and short to
medium term bonds issued
by the Philippine gov’t and
local corporations
• Willing and capable of
staying invested for at least
three (3) years
Moderate
 BDO $ Bond Fund
Intermediate-Term
Bond Fund
Income and Capital
Preservation
At least three (3) years
Short to medium-term bonds
securities
USD 2,000
30 calendar days
0.50%
of original participation
amount
Up to 2:30 p.m.
Any banking day
3 banking days
After notice of redemption is
received
0.75% p.a.
BDO Dollar Bond Fund
(DBF)
1. Interest Rate Risk
2. Market/Price Risk
3. Liquidity Risk
4. Credit/Default Risk
5. Reinvestment Risk
Page 7
 • Comfortable with investing in a • Comfortable with investing in • Comfortable in investing in
portfolio of US stocks with the global stocks of companies companies based in the People’s
potential for above-average focused on long-term growth Republic of China to take
IF YOU ARE AN INVESTOR advantage of its growth potential
• Willing and capable of staying
WHO IS
• Willing and capable of staying invested for more than three (3) • Willing and capable of staying
invested for more than three (3) years invested for more than three (3)
years years

Aggressive
 BDO Global Equity
Product Short Name  BDO US Equity Fund  BDO China Equity Fund
Select Fund
Fund Type Equity Fund Equity Fund Equity Fund

Investment Objective Capital Growth Capital Growth Capital Growth

Recommended Investment
More than three (3) years More than three (3) years More than three (3) years
Time Horizon
Legg Mason ClearBridge Standard Life Investments
BlackRock Global Funds (BGF)
US Aggressive Growth Fund Global Equities Fund (Class D
Target Fund China Fund (Class D2 USD Share
(Class X Accumulating USD Share Accumulation Share Class with ISIN
Class with ISIN LU0359204475***)
Class with ISIN IE00B19Z9X81***) LU0152742713***)
Portfolio of stocks of companies based
Investment Outlet of The
in, or with majority of their business in,
Target Fund US companies assets
People's Republic of China
Minimum Investment / Additional /
USD 2,000 USD 2,000 USD 2,000
Maintaining Participation
Minimum Holding Period None None None

Early Redemption Fee None None None

Up to 4:00 p.m. Up to 4:00 p.m. Up to 4:00 p.m.
Dealing Period Any banking day Any banking day Any banking day
(for value date the next banking day) (for value date the next banking day) (for value date the next banking day)
Payments for admission orders are Payments for admission orders are Payments for admission orders are
Admission Settlement Period collected on order date (for settlement collected on order date (for settlement collected on order date (for settlement
on the next banking day) on the next banking day) on the next banking day)
6 banking days 6 banking days 6 banking days
Redemption Settlement Period After notice of redemption is After notice of redemption is After notice of redemption is
received received received
Trust Fee 1.00% p.a. 1.00% p.a. 1.00% p.a.

BDO US Equity Feeder Fund BDO Global Equity Select Feeder BDO China Equity Feeder Fund
Product Name
(USEFF) Fund (GESFF) (CEFF)
1. Market/Price Risk 1. Market/Price Risk 1. Market/Price Risk
2. Liquidity Risk 2. Liquidity Risk 2. Liquidity Risk
3. Foreign Exchange Risk 3. Foreign Exchange Risk 3. Foreign Exchange Risk
4. Country Risk 4. Country Risk 4. Country Risk

Date of Participation

Signature of Investor/s

Explained By
(Signature over Printed Name of

(If Applicable Only)

Additional Explanation
And Details Provided By
(Indicate Date And Time Of Call)
*Under this Account Opening/Update Kit (AOK), for joint accounts, words denoting the singular number shall include the plural, unless the context otherwise requires.

Page 8
 Investment Policy Statement (IPS)

After an assessment made through the CSA based on the discussion with you, the following marked  UITF/s are duly recommended:

• • Comfortable with investing your Japanese Yen • Comfortable with investing in global real estate
portfolio of European companies. in stocks of the 400 Japanese companies that companies and real estate investment trusts
• Willing and capable of staying invested for are part of the JPX-Nikkei Index 400. (REITS) listed in developed countries.
more than three (3) years • Willing and capable of staying invested for • Willing and capable of staying invested for
more than three (3) years more than three (3) years

Aggressive

 BDO Europe Equity Fund  BDO Japan Equity Index Fund  BDO Global Property Index Fund

Equity Fund Equity Fund Equity Fund

Capital Growth Capital Growth Capital Growth

More than three (3) years More than three (3) years More than three (3) years

BGF BlackRock European Focus Fund

NEXT Funds JPX-Nikkei Index 400 ETF iShares Developed Markets Property Yield UCITS
(Class D2 Accumulating USD Share Class
(ISIN JP3047670009***) ETF (ISIN IE00B1FZS350***)
with ISIN LU0827878959***)

companies and real estate investment trusts

perspectives (REITs)

USD 2,000 JPY 200,000 USD 2,000

None None None

None None None

Up to 2:30 p.m. Up to 2:30 p.m. Up to 4:00 p.m.
Any banking day Any banking day Any banking day
(for value date the next banking day) (for value date the next banking day) (for value date the next banking day)

Payments for admission orders are collected on Payments for admission orders are collected on Payments for admission orders are collected on
order date (for settlement on the next banking day) order date (for settlement on the next banking day) order date (for settlement on the next banking day)

6 banking days 6 banking days 6 banking days

After notice of redemption order After notice of redemption order After notice of redemption order
is received is received is received
1.00% p.a. 0.50% p.a. 0.50% p.a.

If the product/s I have chosen is/are inconsistent with the result of my CSA, I waive such results accordingly.

, you
may type in the code for more information about the target fund or you may log in to www.bdo.com.ph for information on the target funds.

BDO Europe Equity Feeder Fund BDO Japan Equity Index Feeder Fund BDO Developed Markets Property Index
(EEFF) (JEIFF) Feeder Fund (DMPIFF)
1. Market/Price Risk 1. Market/Price Risk 1. Market/Price Risk
2. Liquidity Risk 2. Liquidity Risk 2. Liquidity Risk
3. Foreign Exchange Risk 3. Foreign Exchange Risk 3. Foreign Exchange Risk
4. Country Risk 4. Country Risk 4. Country Risk

Page 9
 Knowing the Rewards and Risks of Investing
Risk Disclosure Statement (RDS)

the BDO UITFs that you will be investing in.

MYTH: TRUTH:
RISK is always something BAD. RISK can be a source of opportunity as well as the source of loss for the investor. The exposure to

Risk management is about maximizing the opportunities and minimizing the negative consequences and this is where BDO Trust and Investments Group can
help you with, through your participation in our Unit Investment Trust Funds (UITFs).

certain degree of risk.

Interest Rate Risk - Interest from bonds provide regular income to investors
This type of investments however, carry interest rate risk. Interest Rate Risk
is applicable to investments in debt securities like bonds. It refers to the
risk of bond interest rates moving up causing prices to go down resulting
to losses. The price of such investments is inversely related to interest rate.
An investor who invested in a bond while interest rates are going up may lose
some value of the investment due to the lower price. A bond investor who
holds the bond until maturity will not be subjected to interest rate risk.
Market/Price Risk
who are willing to take such risk. It refers to the risk of an investment having
a lower market price resulting to losses. The value of the investments are
investment securities traded in the market including bonds and equities.
price of such investment drops instead.
Liquidity Risk – A properly developed portfolio already providing for future
use of funds may avoid liquidity risk while at the same time generate higher
potential returns. It refers to the risk of the inability to sell an investment at the
desired price or to sell the same at a lower price or at a loss. At times even
all investment securities traded in the market including bonds and equities.
An investor who is faced with the non-availability of investment outlets which
will provide similar or better returns earned from maturing bond investments
is subject to reinvestment risk.
Foreign Exchange Risk – Investing in foreign currency securities may
provide additional return on investment from the depreciation of the home
currency. However, there’s the risk that the value of investment in a foreign
currency is lower due to the depreciation of the country’s currency. This risk
For instance, when an investor using Philippine Peso purchased U.S. Dollar
and invested in a U.S. Dollar-denominated investment, upon the sale of the
investment, the U.S. Dollar may be converted to fewer Philippine Peso due
to the appreciation of the domestic currency. This illustration shows possible
loss in Philippine Peso terms.
Country Risk – A country with high risk typically provides higher return
on investment as is the case of a B rated country compared to AAA rated
bonds and equities. It refers to the risk that a country’s political, economic
taxes.

investment.
are no willing buyers at that given price. Some buyers may be willing to buy
only at a lower price thus subjecting the investor to liquidity risk. – Investors or fund managers may protect
certain investment against a forecast negative event to preserve or improve
Credit/Default Risk – Investments with higher credit/default risk commonly
have higher returns. It refers to the risk that the borrowers of money may be

income investments. Issuers of bonds and other debt instruments may
provide higher interest rates but may carry a higher degree of uncertainty to
pay the interest and/or principal of its debt in a timely manner.
An investor who invested in a bond where the issuer goes bankrupt and
unable to pay the interest or the principal when due is subject to credit or
default risk.
Reinvestment Risk – Investment in bonds provide certain rewards to the
investor in terms of regular income through payment of interest and the
principal on maturity. However, on maturity when the proceeds are to be
reinvested it may be subjected to reinvestment risks where the new bond
investments.
Fund managers may use hedging instruments to reduce the inherent risks of
investments. There are situations where the hedging instruments becomes
An investor who wanted to reduce the risk of certain factors such as projected
rising interest rate, currency depreciation, or rising commodity prices may
hedge the investment position only to be faced with either no change or the
contract or opportunity lost.
Other Risks – Your participation in BDO UITFs may be further exposed to
transactions by BDO-Trust.

UITFS ARE NOT DEPOSIT ACCOUNTS BUT ARE PRODUCTS OF TRUST ENTITIES. IN AGREEING TO PARTICIPATE IN A UITF, A PARTICIPANT IS
MAKING AN INVESTMENT AND NOT A DEPOSIT AND SUCH INVESTMENT IS THEREFORE NOT INSURED NOR GOVERNED BY THE PHILIPPINE
DEPOSIT INSURANCE CORPORATION (PDIC). BDO UITFS ARE ALSO NOT GUARANTEED NOR INSURED BY BDO UNIBANK, INC., ITS AFFILIATES
OR SUBSIDIARIES. ANY INCOME/LOSS IN SUCH INVESTMENTS ARE FOR THE ACCOUNT OF THE PARTICIPANT. BDO TRUST AND INVESTMENTS
GROUP IS NOT LIABLE FOR LOSSES UNLESS THERE IS WILFUL DEFAULT, BAD FAITH OR GROSS NEGLIGENCE ON ITS PART.

Bank Copy
Page 10
 Declaration of Investors

Signatory), hereby declare that I have read, understood and personally and voluntarily accomplished the entire CSA and that the answers I have given therein

my failure to do so would be deemed a waiver of my right to a new CSA.

After reading and fully understanding and evaluating the IPS, I voluntarily invest/participate in the BDO UITF/s which I believe suit/s my investment objectives,
risk appetite and cash requirements regardless of the result of my CSA. If investment in said UITFs is inconsistent with the results of my CSA, I also hereby
waive such results.
I LIKEWISE DECLARE THAT I COMPLETELY READ, FULLY UNDERSTOOD AND RECEIVED A COPY OF THE ENTIRE RISK DISCLOSURE STATEMENT
AND, IF APPLICABLE, THE KEY INFORMATION AND INVESTMENT DISCLOSURE STATEMENT (KIIDS) OF FEEDER FUNDS WHERE THEIR RISK
FACTORS ARE SHOWN. THE SAME WERE CLEARLY EXPLAINED TO ME BY A BDO UNIBANK, INC. MARKETING PERSONNEL BEFORE I AFFIXED
MY SIGNATURE HEREIN. I HEREBY VOLUNTARILY AND WILLINGLY AGREE TO COMPLY WITH ANY AND ALL APPLICABLE LAWS, REGULATIONS,
THE PLAN RULES, TERMS AND CONDITIONS, AS MAY BE AMENDED FROM TIME TO TIME, GOVERNING MY INVESTMENT IN THE BDO-TRUST’S
VARIOUS INVESTMENT VEHICLES AND SEGREGATED PORTFOLIOS, UITFS AND THE SECURITIES THEY MAY INVEST IN.

Name / Date

Signature of Co-Investor/Authorized Signatory over Printed Name**/ Date Signature of Co-Investor/Authorized Signatory over Printed Name**/ Date

Signature of Co-Investor/Authorized Signatory over Printed Name**/ Date Signature of Co-Investor/Authorized Signatory over Printed Name**/ Date

shall be used as the basis/reference for the investments of the account/s opened/ to be opened.

NOTICE TO CLIENTS

1. INVESTMENT IN A PRODUCT/PORTFOLIO/STRATEGY WHICH IS INCONSISTENT WITH CLIENT’S CSA RESULTS

Choosing to avail of another investment product/portfolio/strategy which is inconsistent with one’s CSA results may result to loss of certain protections provided
by regulations and exposure to higher risks. Clients in this category are required to submit a Waiver for Clients Investing in Product/Portfolio/Strategy with
Higher Risks, a form available at the branches.

2. INVESTMENT IN A PRODUCT/PORTFOLIO/STRATEGY WITH LOWER RISKS

accordance with the client’s personal investment preference and/or direction. Any and all losses, damages, costs and expenses, including loss of possible

account. The client likewise holds BDO free and harmless from any and all liabilities, claims and actions that may result from the client’s decision to invest in
such product /portfolio/strategy with lower risks.

For BDO Authorized Signatories Only

I have explained in detail and discussed with the client the 1. Results of the CSA; 2. Basis of my recommendation/s; and 3. Basic terms and conditions of the

I likewise acknowledge that I have (1) advised the client to read the Risk Disclosure Statement and the KIIDS, if applicable, (2) encouraged the client/s to ask
questions on matters contained in the Risk Disclosure Statement, and (3) fully explained the same to the client.

Administered / Assessed By: Acknowledged / Reviewed By:

Signature over Printed Name / Position of Branch Personnel / Date

(If applicable only)

The UITF Product the client has chosen to invest in was further explained and discussed in detail by:

Name of Trust MO Date of call Time of call

Page 11
 For New UITF Participants Only
Bank Copy

BDO Unibank, Inc. - Trust and Investments Group

Unit Investment Trust Funds
Omnibus Participating Trust Agreement
The undersigned Participant/s, as TRUSTOR (regardless of number), through this Omnibus Participating Trust Agreement (the “Agreement”), hereby agrees to participate in the BDO Unit Investment
Trust Fund/s he has duly selected in his Investment Policy Statement (IPS) (the “Fund/s”) established and administered by BDO Unibank, Inc. – Trust and Investments Group (the “TRUSTEE”).
It is expressly understood and agreed that this Agreement is subject to, and does not amend, modify or limit, the Funds’ Declarations of Trust (the “Plan Rules”). As such, the TRUSTOR hereby explicitly

are suitable to his investment requirements.

The TRUSTOR and the TRUSTEE likewise agree as follows:

1. Participation and Redemption - Participation in the Funds and redemption of such participation shall be allowed only on the basis of the net asset value of each participation unit (the “NAVPU”)
determined in accordance with the applicable Plan Rules. The TRUSTOR’s investment in each Fund shall be expressed in terms of number of units of participation as appearing in the
TRUSTOR’s evidence of participation.
As his participation, the TRUSTOR shall transfer, convey and pay unto the TRUSTEE, such amount representing the value of the units as indicated in the TRUSTOR’s evidence of participation,
in the currency likewise indicated therein.
The TRUSTOR may redeem his participation in a Fund by surrendering his relevant evidence of participation to the TRUSTEE. Alternatively, other means of redemption notice may be honored,
provided they are allowed under the TRUSTEE’s policy. Participation and redemption shall be allowed only at such frequency or at such times as provided in the applicable Plan Rules.
2. Client Suitability - Prior to the acceptance of participation, the TRUSTEE shall perform client suitability, through Client Suitability Assessment forms, which shall be acknowledged and signed
by the TRUSTOR.
3. Disclosure of Risks
4. Joint Trustor Accounts - Designation of a joint account as an “AND”, “OR” or “AND/OR” account shall be made by all the holders of the said joint account who shall be co-TRUSTORS. In case
of “AND” accounts, all instructions in connection with the operation of the account including redemptions therefrom must be signed or authorized by all the co-TRUSTORS. In case of “OR” or

5. Administration and Investment of Each Fund - Each Fund, which is the pool of trust funds from the participating trustors thereof, shall be managed, administered and invested by the
TRUSTEE under the operation of the applicable Plan Rules.
6. Disclosure of Investment Outlets - The TRUSTEE shall make available for the information of any interested participant a list of prospective and outstanding investment outlets for each Fund,
which list shall be updated quarterly.
7. - The TRUSTOR shall be entitled to a period of two banking days from the date of this Agreement within which to terminate the same without penalty subject, however, to
the TRUSTOR’s payment of all costs and expenses arising from such termination, if any. All losses arising from the termination shall be for the account of the TRUSTOR. For UITFs with existing
early redemption fee, such fee, which accrues in favor of the relevant Fund, shall continue to apply. No penalty shall, however, be charged.
8. Disclosure - The TRUSTEE is authorized to disclose information, in any form, and provide documents relating to the TRUSTOR if required, requested or permitted to do so by: (a) Any applicable
law or regulation; (b) Any applicable central depository, clearing body, company registrar, securities exchange, securities custodians, courts, regulatory body, BSP examiners and auditors; (c) The
issuer/brokers/counterparties of the securities where the Fund or any part thereof is invested/will be invested; or (d) The entities managing the target fund/s, in case of feeder fund or fund of fund

the TRUSTEE in connection with the provision of any product or services to the TRUSTOR and/or for data processing, storage, analysis, customer satisfaction surveys and anti-money laundering
and US Foreign Account Tax Compliance Act (and other similar laws) monitoring and reporting. The TRUSTOR likewise consents to the use, processing and retention of personal information (as

9. Compensation - As compensation for the TRUSTEE’s services, it shall be entitled to a compensation as provided in the applicable Plan Rules.
10. Liability of TRUSTEE - Save that attributable to the TRUSTEE’s fraud, willful default, evident bad faith or gross negligence, the TRUSTEE shall not be liable for any loss or depreciation in the
value of the Funds or in the value of the TRUSTOR’s units of participation in the Funds arising from any act done by the TRUSTEE pursuant to the terms hereof and the applicable Plan Rules.
Neither shall the TRUSTEE be liable for refraining to do any act where such inaction in the good faith judgment of the TRUSTEE is necessary and appropriate for the proper and advantageous
administration and management of the Funds.
11. Complaints Handling - For any complaint regarding the account, the TRUSTOR may (a) call (02) 840-7000 locals 34265/34244/31236 during banking hours; (b) send an email to trust.

complaints will be immediately relayed/elevated to the proper person for handling in accordance with the TRUSTEE's policies. The TRUSTEE is regulated by the BSP with contact number (02)

12. Amendments
Sentral ng Pilipinas regulations and for such other purposes as may be deemed proper by the TRUSTEE.
13. Term of Agreement – This Agreement shall continue and remain in force until the termination of the Funds in accordance with the Plan Rules or with laws or regulations then existing.
14. Reference Documents – The terms and conditions in the Plan Rules, Risk Disclosure Statement, client suitability test and the evidence of participation are incorporated herein by reference,
restated herein and shall form an integral part hereof. In executing this Agreement, TRUSTOR represents that he has carefully read and fully understood the same documents and that he
has agreed to be bound by all the terms and conditions thereof. In case of inconsistencies, the provisions of the Plan Rules shall prevail over those of this Agreement and the other reference
documents.
15. Retention Policy - The TRUSTEE shall only retain and keep agreements, documents and records regarding the account for the period required by law, regulations and the TRUSTEE’s retention
policies. The TRUSTEE is authorized to dispose of or delete agreements, documents and records after the expiration of this required retention period. The TRUSTEE shall not be responsible in
producing these agreements, documents and records for any purpose, and shall not incur any liability for failure to produce the same beyond this agreed period.
16. Evidence of Participation

participation does not constitute proof that the units appearing therein remain outstanding. The TRUSTOR’s outstanding units shall be based solely on the books and records of the TRUSTEE.
The TRUSTEE reserves the right to require the prior endorsement/surrender of any evidence of participation upon redemption of units. Notwithstanding the requirement for endorsement/
surrender, mere possession of the evidence of participation shall not be presumed or deemed as proof of non-payment of the participation.
17.
or subsidiaries. The Funds are not insured or governed by the Philippine Deposit Insurance Corporation (PDIC). Each Fund does not carry any guaranteed rate of return and

account. The units of participation in a Fund, when redeemed, may be worth more or less than the TRUSTOR’s initial investment. Historical performance, when presented, is
purely for reference purposes and is not a guarantee of similar future results. The TRUSTEE is not liable for losses, unless there is fraud, willful default, evident bad faith or gross
negligence on its part.

Agreed and Accepted:

Signature of Trustor Over Printed Name / Date Signature of Trustor Over Printed Name / Date Signature of Trustor Over Printed Name / Date

Signature of Trustor Over Printed Name / Date Signature of Trustor Over Printed Name / Date

For and in behalf of BDO UNIBANK, INC.-TRUST AND INVESTMENTS GROUP:

Signature over Printed Name of Branch Marketing Officer / Date Signature over Printed Name of Branch Head / Date

Page 12
Bank Copy
 Survivorship Agreement
(Optional for Joint Accounts)

We, the undersigned, for adequate and full consideration for the transfer contemplated herein (receipt of which consideration is hereby acknowledged), hereby
agree with each other and with BDO Unibank, Inc. –Trust and Investments Group (“BDO-Trust”) as Trustee/Investment Manager, in relation to the BDO-Trust
accounts under Account ID No. ___________________________(the “Accounts”) , as follows:

1. All moneys now or hereafter contributed or invested by us or either/any of us to the Accounts shall be received by BDO-Trust without regard to their previous
ownership. Said moneys, and all earnings thereof or interest thereon, if any, shall be our joint property and shall be payable to, collectible and withdrawable
by either/any of us during our joint lives and upon the death of one shall belong to and be collectible by the survivor/s.

2. BDO-Trust has the full authority to recognize the signatures of any of us in the payment, delivery or disbursement of funds or in the transaction of other
business on the Accounts, including termination thereof.

3. Upon the death of one of us, receipt of the survivor (or any of the survivors) of the proceeds of the Accounts shall validly discharge BDO-Trust as to all matters
regarding the Accounts.

4. Any of us may contribute and endorse for inclusion in the Accounts, checks, drafts, bills of exchange and/or other instruments for the payment of money
payable or purporting to belong to any one of us.

5. We hereby hold BDO-Trust free and harmless from, and undertake to indemnify the same against, any and all liabilities, losses, claims, damages and
expenses it may incur as a result of its faithful compliance with this agreement

6. This is a joint and several agreement and is binding upon each of us, our heirs, executors, administrators and assigns. Any corporation to which substantially

the provisions hereof without need of any further act as if originally named herein.

7. less in writing and signed by both/all of us and by BDO-Trust.

WITNESS OUR HANDS this _____________________________________ at _____________________________________________________________.

Signature over Printed Name of Principal/Trustor Signature over Printed Name of Principal/Trustor Signature over Printed Name of Principal/Trustor

Agreed: For and in behalf of BDO UNIBANK, INC.-Trust and Investments Group

By:

Signature of Trustor Over Printed Name / Date Signature of Trustor Over Printed Name / Date

Signed in the presence of:

Page 13
7KHIROORZLQJDUHIRU\RXU¿OH

Unit Investment Trust Fund

Account Opening Kit
Client Copy
• Omnibus Participating Trust Agreement
• Risk Disclosure Statement

BDO Trust and Investments Group

UITFs are also available via BDO Personal Online Banking.

Visit us at https://www.bdo.com.ph/trust for complete details.

3DJH
 For New UITF Participants Only
Client Copy

BDO Unibank, Inc. - Trust and Investments Group

Unit Investment Trust Funds
Omnibus Participating Trust Agreement
The undersigned Participant/s, as TRUSTOR (regardless of number), through this Omnibus Participating Trust Agreement (the “Agreement”), hereby agrees to participate in the BDO Unit Investment
Trust Fund/s he has duly selected in his Investment Policy Statement (IPS) (the “Fund/s”) established and administered by BDO Unibank, Inc. – Trust and Investments Group (the “TRUSTEE”).
It is expressly understood and agreed that this Agreement is subject to, and does not amend, modify or limit, the Funds’ Declarations of Trust (the “Plan Rules”). As such, the TRUSTOR hereby explicitly

are suitable to his investment requirements.

The TRUSTOR and the TRUSTEE likewise agree as follows:

1. Participation and Redemption - Participation in the Funds and redemption of such participation shall be allowed only on the basis of the net asset value of each participation unit (the “NAVPU”)
determined in accordance with the applicable Plan Rules. The TRUSTOR’s investment in each Fund shall be expressed in terms of number of units of participation as appearing in the
TRUSTOR’s evidence of participation.
As his participation, the TRUSTOR shall transfer, convey and pay unto the TRUSTEE, such amount representing the value of the units as indicated in the TRUSTOR’s evidence of participation,
in the currency likewise indicated therein.
The TRUSTOR may redeem his participation in a Fund by surrendering his relevant evidence of participation to the TRUSTEE. Alternatively, other means of redemption notice may be honored,
provided they are allowed under the TRUSTEE’s policy. Participation and redemption shall be allowed only at such frequency or at such times as provided in the applicable Plan Rules.
2. Client Suitability - Prior to the acceptance of participation, the TRUSTEE shall perform client suitability, through Client Suitability Assessment forms, which shall be acknowledged and signed
by the TRUSTOR.
3. Disclosure of Risks
4. Joint Trustor Accounts - Designation of a joint account as an “AND”, “OR” or “AND/OR” account shall be made by all the holders of the said joint account who shall be co-TRUSTORS. In case
of “AND” accounts, all instructions in connection with the operation of the account including redemptions therefrom must be signed or authorized by all the co-TRUSTORS. In case of “OR” or

5. Administration and Investment of Each Fund - Each Fund, which is the pool of trust funds from the participating trustors thereof, shall be managed, administered and invested by the
TRUSTEE under the operation of the applicable Plan Rules.
6. Disclosure of Investment Outlets - The TRUSTEE shall make available for the information of any interested participant a list of prospective and outstanding investment outlets for each Fund,
which list shall be updated quarterly.
7. - The TRUSTOR shall be entitled to a period of two banking days from the date of this Agreement within which to terminate the same without penalty subject, however, to
the TRUSTOR’s payment of all costs and expenses arising from such termination, if any. All losses arising from the termination shall be for the account of the TRUSTOR. For UITFs with existing
early redemption fee, such fee, which accrues in favor of the relevant Fund, shall continue to apply. No penalty shall, however, be charged.
8. Disclosure - The TRUSTEE is authorized to disclose information, in any form, and provide documents relating to the TRUSTOR if required, requested or permitted to do so by: (a) Any applicable
law or regulation; (b) Any applicable central depository, clearing body, company registrar, securities exchange, securities custodians, courts, regulatory body, BSP examiners and auditors; (c) The
issuer/brokers/counterparties of the securities where the Fund or any part thereof is invested/will be invested; or (d) The entities managing the target fund/s, in case of feeder fund or fund of fund

the TRUSTEE in connection with the provision of any product or services to the TRUSTOR and/or for data processing, storage, analysis, customer satisfaction surveys and anti-money laundering
and US Foreign Account Tax Compliance Act (and other similar laws) monitoring and reporting. The TRUSTOR likewise consents to the use, processing and retention of personal information (as

9. Compensation - As compensation for the TRUSTEE’s services, it shall be entitled to a compensation as provided in the applicable Plan Rules.
10. Liability of TRUSTEE - Save that attributable to the TRUSTEE’s fraud, willful default, evident bad faith or gross negligence, the TRUSTEE shall not be liable for any loss or depreciation in the
value of the Funds or in the value of the TRUSTOR’s units of participation in the Funds arising from any act done by the TRUSTEE pursuant to the terms hereof and the applicable Plan Rules.
Neither shall the TRUSTEE be liable for refraining to do any act where such inaction in the good faith judgment of the TRUSTEE is necessary and appropriate for the proper and advantageous
administration and management of the Funds.
11. Complaints Handling - For any complaint regarding the account, the TRUSTOR may (a) call (02) 840-7000 locals 34265/34244/31236 during banking hours; (b) send an email to trust.

complaints will be immediately relayed/elevated to the proper person for handling in accordance with the TRUSTEE's policies. The TRUSTEE is regulated by the BSP with contact number (02)

12. Amendments
Sentral ng Pilipinas regulations and for such other purposes as may be deemed proper by the TRUSTEE.
13. Term of Agreement – This Agreement shall continue and remain in force until the termination of the Funds in accordance with the Plan Rules or with laws or regulations then existing.
14. Reference Documents – The terms and conditions in the Plan Rules, Risk Disclosure Statement, client suitability test and the evidence of participation are incorporated herein by reference,
restated herein and shall form an integral part hereof. In executing this Agreement, TRUSTOR represents that he has carefully read and fully understood the same documents and that he
has agreed to be bound by all the terms and conditions thereof. In case of inconsistencies, the provisions of the Plan Rules shall prevail over those of this Agreement and the other reference
documents.
15. Retention Policy - The TRUSTEE shall only retain and keep agreements, documents and records regarding the account for the period required by law, regulations and the TRUSTEE’s retention
policies. The TRUSTEE is authorized to dispose of or delete agreements, documents and records after the expiration of this required retention period. The TRUSTEE shall not be responsible in
producing these agreements, documents and records for any purpose, and shall not incur any liability for failure to produce the same beyond this agreed period.
16. Evidence of Participation

participation does not constitute proof that the units appearing therein remain outstanding. The TRUSTOR’s outstanding units shall be based solely on the books and records of the TRUSTEE.
The TRUSTEE reserves the right to require the prior endorsement/surrender of any evidence of participation upon redemption of units. Notwithstanding the requirement for endorsement/
surrender, mere possession of the evidence of participation shall not be presumed or deemed as proof of non-payment of the participation.
17.
or subsidiaries. The Funds are not insured or governed by the Philippine Deposit Insurance Corporation (PDIC). Each Fund does not carry any guaranteed rate of return and

account. The units of participation in a Fund, when redeemed, may be worth more or less than the TRUSTOR’s initial investment. Historical performance, when presented, is
purely for reference purposes and is not a guarantee of similar future results. The TRUSTEE is not liable for losses, unless there is fraud, willful default, evident bad faith or gross
negligence on its part.

Agreed and Accepted:

Signature of Trustor Over Printed Name / Date Signature of Trustor Over Printed Name / Date Signature of Trustor Over Printed Name / Date

Signature of Trustor Over Printed Name / Date Signature of Trustor Over Printed Name / Date

For and in behalf of BDO UNIBANK, INC.-TRUST AND INVESTMENTS GROUP:

Signature over Printed Name of Branch Marketing Officer / Date Signature over Printed Name of Branch Head / Date

Page 16
Client Copy
 Knowing the Rewards and Risks of Investing
Risk Disclosure Statement (RDS)

the BDO UITFs that you will be investing in.

MYTH: TRUTH:
RISK is always something BAD. RISK can be a source of opportunity as well as the source of loss for the investor. The exposure to

Risk management is about maximizing the opportunities and minimizing the negative consequences and this is where BDO Trust and Investments Group can
help you with, through your participation in our Unit Investment Trust Funds (UITFs).

certain degree of risk.

Interest Rate Risk - Interest from bonds provide regular income to investors
This type of investments however, carry interest rate risk. Interest Rate Risk
is applicable to investments in debt securities like bonds. It refers to the
risk of bond interest rates moving up causing prices to go down resulting
to losses. The price of such investments is inversely related to interest rate.
An investor who invested in a bond while interest rates are going up may lose
some value of the investment due to the lower price. A bond investor who
holds the bond until maturity will not be subjected to interest rate risk.
Market/Price Risk
who are willing to take such risk. It refers to the risk of an investment having
a lower market price resulting to losses. The value of the investments are
investment securities traded in the market including bonds and equities.
price of such investment drops instead.
Liquidity Risk – A properly developed portfolio already providing for future
use of funds may avoid liquidity risk while at the same time generate higher
potential returns. It refers to the risk of the inability to sell an investment at the
desired price or to sell the same at a lower price or at a loss. At times even
all investment securities traded in the market including bonds and equities.
An investor who is faced with the non-availability of investment outlets which
will provide similar or better returns earned from maturing bond investments
is subject to reinvestment risk.
Foreign Exchange Risk – Investing in foreign currency securities may
provide additional return on investment from the depreciation of the home
currency. However, there’s the risk that the value of investment in a foreign
currency is lower due to the depreciation of the country’s currency. This risk
For instance, when an investor using Philippine Peso purchased U.S. Dollar
and invested in a U.S. Dollar-denominated investment, upon the sale of the
investment, the U.S. Dollar may be converted to fewer Philippine Peso due
to the appreciation of the domestic currency. This illustration shows possible
loss in Philippine Peso terms.
Country Risk – A country with high risk typically provides higher return
on investment as is the case of a B rated country compared to AAA rated
bonds and equities. It refers to the risk that a country’s political, economic
taxes.

investment.
are no willing buyers at that given price. Some buyers may be willing to buy
only at a lower price thus subjecting the investor to liquidity risk. – Investors or fund managers may protect
certain investment against a forecast negative event to preserve or improve
Credit/Default Risk – Investments with higher credit/default risk commonly
have higher returns. It refers to the risk that the borrowers of money may be

income investments. Issuers of bonds and other debt instruments may
provide higher interest rates but may carry a higher degree of uncertainty to
pay the interest and/or principal of its debt in a timely manner.
An investor who invested in a bond where the issuer goes bankrupt and
unable to pay the interest or the principal when due is subject to credit or
default risk.
Reinvestment Risk – Investment in bonds provide certain rewards to the
investor in terms of regular income through payment of interest and the
principal on maturity. However, on maturity when the proceeds are to be
reinvested it may be subjected to reinvestment risks where the new bond
investments.
Fund managers may use hedging instruments to reduce the inherent risks of
investments. There are situations where the hedging instruments becomes
An investor who wanted to reduce the risk of certain factors such as projected
rising interest rate, currency depreciation, or rising commodity prices may
hedge the investment position only to be faced with either no change or the
contract or opportunity lost.
Other Risks – Your participation in BDO UITFs may be further exposed to
transactions by BDO-Trust.

UITFS ARE NOT DEPOSIT ACCOUNTS BUT ARE PRODUCTS OF TRUST ENTITIES. IN AGREEING TO PARTICIPATE IN A UITF, A PARTICIPANT IS
MAKING AN INVESTMENT AND NOT A DEPOSIT AND SUCH INVESTMENT IS THEREFORE NOT INSURED NOR GOVERNED BY THE PHILIPPINE
DEPOSIT INSURANCE CORPORATION (PDIC). BDO UITFS ARE ALSO NOT GUARANTEED NOR INSURED BY BDO UNIBANK, INC., ITS AFFILIATES
OR SUBSIDIARIES. ANY INCOME/LOSS IN SUCH INVESTMENTS ARE FOR THE ACCOUNT OF THE PARTICIPANT. BDO TRUST AND INVESTMENTS
GROUP IS NOT LIABLE FOR LOSSES UNLESS THERE IS WILFUL DEFAULT, BAD FAITH OR GROSS NEGLIGENCE ON ITS PART.

Client Copy Page 17

Here is a list of the BDO UITFs that may help you reach your investment goals.

Moderate Aggressive

Product Short Name BDO Money Market Fund BDO Bond Fund BDO Equity Index Fund
Product Short Name
Fund Type Money Market Fund Medium-Term Bond Fund Equity Fund
Fund Type
Investment Objective Capital Preservation Income and Capital Preservation Capital Growth
Investment Objective
Recommended Investment
At least six (6) months At least three (3) years More than three (3) years
Time Horizon Recommended Investment
Time Horizon
Time deposits and low risk Portfolio of stocks that comprise the
Investment Outlets
income securities components of the PSEi
Investment Outlets

Minimum Investment / Additional /

Php 100,000 Php 10,000 Php 10,000
Maintaining Participation Minimum Investment / Additional /
Maintaining Participation
Minimum Holding Period None 30 calendar days 30 calendar days
Minimum Holding Period
Early Redemption Fee None 0.50% of original participation amount 0.50% of original participation amount
Early Redemption Fee
Dealing Period Up to 11:30 a.m. any banking day Up to 2:30 p.m. any banking day Up to 2:30 p.m. any banking day
Dealing Period
After 4:00 p.m. same banking day 1 banking day 4 banking days
Settlement Period
the notice of redemption is received After notice of redemption is received After notice of redemption is received
Settlement Period
Trust Fee 0.50% p.a. 1.00% p.a. 1.00% p.a.
Trust Fee

Moderate Balanced

Product Short Name BDO Short Term Fund BDO GS Fund BDO Balanced Fund
Product Short Name
Fund Type Money Market Fund Medium-Term Bond Fund Balanced Fund
Fund Type
Investment Objective Capital Preservation Income and Capital Preservation Capital Growth
Investment Objective
Recommended Investment
At least one (1) year At least three (3) years More than three (3) years
Time Horizon Recommended Investment
Time Horizon
Time deposits and low risk
Investment Outlets Government securities Fixed income securities and stocks
Investment Outlets
Minimum Investment / Additional /
Php 10,000 Php 100,000 Php 10,000
Maintaining Participation Minimum Investment / Additional /
Maintaining Participation
Minimum Holding Period None 30 calendar days 30 calendar days
Minimum Holding Period
Early Redemption Fee None 0.50% of original participation amount 0.50% of original participation amount
Early Redemption Fee
Dealing Period Up to 2:30 p.m. any banking day Up to 2:30 p.m. any banking day Up to 2:30 p.m. any banking day
Dealing Period
1 banking day 1 banking day 4 banking days
Settlement Period
After notice of redemption isreceived After notice of redemption is received After notice of redemption is received
Settlement Period
A
Trust Fee 0.25% p.a. 1.00% p.a. 1.00% p.a.
Trust Fee

III. Take advantage of the global growth story through the BDO Global Feeder Funds.

Aggressive

Product Short Name BDO US Equity Fund BDO Global Equity Select Fund BDO China Equity Fund
Product Short Name
Fund Type Equity Fund Equity Fund Equity Fund
Fund Type
Investment Objective Capital Growth Capital Growth Capital Growth
Investment Objective
Recommended Investment
More than three (3) years More than three (3) years More than three (3) years
Time Horizon Recommended Investment
Time Horizon
Legg Mason ClearBridge
Standard Life Investments Global Equities BlackRock Global Funds (BGF) China
US Aggressive Growth Fund
Target Fund Fund (Class D Accumulation Share Class with Fund (Class D2 USD Share Class with ISIN
(Class X Accumulating USD Share Class with
ISIN LU0152742713) LU0359204475)
Target Fund
ISIN IE00B19Z9X81) (Clas
Portfolio of stocks of companies based in, or with
Investment Outlet of The
majority of their business in, People's Republic
Target Fund US companies InvestmentofOutlet
China of The
Target Fund
Minimum Investment / Additional /
USD 2,000 USD 2,000 USD 2,000
Maintaining Participation Minimum Investment / Additional /
Maintaining Participation
Minimum Holding Period None None None
Minimum Holding Period
Early Redemption Fee None None None
Early Redemption Fee
Up to 4:00 p.m. any banking day Up to 4:00 p.m. any banking day Up to 4:00 p.m. any banking day
Dealing Period
(for value date the next banking day) (for value date the next banking day) (for value date the next banking day)
Dealing Period
(
Payments for admission orders are collected Payments for admission orders are collected Payments for admission orders are collected
Admission Settlement Period on order date (for settlement on the next on order date (for settlement on the next on order date (for settlement on the next Paym
banking day) banking day) Admissionbanking day) Period
Settlement on
6 banking days 6 banking days 6 banking days
Redemption Settlement Period
After notice of redemption is received After notice of redemption is received After notice of redemption is received
Redemption Settlement Period
A
Trust Fee 1.00% p.a. 1.00% p.a. 1.00% p.a.
Trust Fee
Page 18
 Know more about the BDO UITFs
Product List
Aggressive
Moderate Aggressive
BDO Global Equity Index Fund
BDO $ Money Market Fund BDO $ Medium Term Fund BDO Global Equity Index Fund
Equity Fund
Money Market Fund Medium-Term Bond Fund Equity Fund
Capital Growth
Capital Preservation Income and Capital Preservation Capital Growth
More than three (3) years
At least six (6) months At least three (3) years More than three (3) years
BlackRock Global Index Funds (BGIF)
iShares World Equity Index Fund BlackRock Global Index Funds (BGIF)
2 USD Share Class with ISIN LU0836512615***) Medium to long-term bonds and iShares World Equity Index Fund
h tracks the return of the MSCI World Index (Class A2 USD Share Class with ISIN LU0836512615)
which tracks the return of the MSCI World Index
USD 2,000
USD 2,000 USD 2,000 USD 2,000
None
None 30 calendar days None
None
None 1.00% of original participation amount None
Up to 2:30 p.m. any banking day
(for value date the next banking day) Up to 2:30 p.m. any banking day
Up to 11:30 a.m. any banking day Up to 2:30 p.m. any banking day
(for value date the next banking day)
6 banking days
ter notice of redemption order is After
received
4:00 p.m. 3 banking days 6 banking days
Same banking day the notice of redemption is received After notice of redemption is received After notice of redemption order is received
0.50% p.a.
0.50% p.a. 1.00% p.a. 0.50% p.a.

Moderate
Aggressive Moderate
und BDO $ Bond Fund
BDO Equity Fund BDO ESG Fund BDO Dividend Fund BDO Focused Fund BDO $ Bond Fund
Intermediate-Term
Bond Fund Intermediate-Term
Equity Fund Equity Fund Equity Fund Equity Fund
Bond Fund
h Income and Capital Preservation
Capital Growth Capital Growth Capital Growth Capital Growth Income and Capital Preservation
) years At least three (3) years
More than three (3) years More than three (3) years More than three (3) years More than three (3) years At least three (3) years
of stocks Short to medium-term bonds and
term growth Portfolio of stocks which exhibit
Portfolio of stocks with sustainable Concentrated portfolio of stocks Short to medium-term bonds and
good environmental, social and
earnings and dividend yields focused on strong long-term growth
governance (ESG) practices
USD 2,000
Php 10,000 Php 10,000 Php 10,000 Php 10,000 USD 2,000
ys 30 calendar days
30 calendar days 30 calendar days 30 calendar days 30 calendar days 30 calendar days
0.50%
n amount of original participation
1.00% amount 1.00% 1.00% 1.00% 0.50%
of original participation amount of original participation amount of original participation amount of original participation amount of original participation amount
anking day Up to 2:30 p.m. any banking day
Up to 2:30 p.m. any banking day Up to 2:30 p.m. any banking day Up to 2:30 p.m. any banking day Up to 2:30 p.m. any banking day Up to 2:30 p.m. any banking day
ys 3 banking days
mption is After notice days
4 banking of redemption is 4 banking days 4 banking days 4 banking days 3 banking days
received is
After notice of redemption After notice of redemption is After notice of redemption is After notice of redemption is After notice of redemption is
received received received received received
0.75% p.a.
1.00% p.a. 1.00% p.a. 1.25% p.a. 1.50% p.a. 0.75% p.a.

Aggressive
BDO Global Property Index Fund
BDO Europe Equity Fund BDO Japan Equity Index Fund BDO Global Property Index Fund
Equity Fund
Equity Fund Equity Fund Equity Fund
Capital Growth
Capital Growth Capital Growth Capital Growth
More than three (3) years
More than three (3) years More than three (3) years More than three (3) years

veloped Markets Property Yield UCITS ETF (ISIN

BGF BlackRock European Focus Fund
IE00B1FZS350***) NEXT Funds JPX-Nikkei Index 400 ETF iShares Developed Markets Property Yield UCITS ETF (ISIN
(Class D2 Accumulating USD Share Class
(ISIN JP3047670009) IE00B1FZS350)
with ISIN LU0827878959)

nd real estate investment trusts (REITs)

and real estate investment trusts (REITs)
USD 2,000
USD 2,000 JPY 200,000 USD 2,000
None
None None None
None
None None None
Up to 4:00 p.m. any banking day
(for value date the nextUp banking
to 2:30day)
p.m. any banking day Up to 2:30 p.m. any banking day Up to 4:00 p.m. any banking day
(for value date the next banking day) (for value date the next banking day) (for value date the next banking day)
for admission orders are collected on order date
for settlement on the for
Payments next banking day)
admission orders are collected on order date Payments for admission orders are collected on order date Payments for admission orders are collected on order date
(for settlement on the next banking day) (for settlement on the next banking day) (for settlement on the next banking day)
6 banking days
ter notice of redemption order is 6received
banking days 6 banking days 6 banking days
After notice of redemption order is received After notice of redemption order is received After notice of redemption order is received
0.50% p.a.
1.00% p.a. 0.50% p.a. 0.50% p.a.

Page 19
 As you start your investing journey,
here are some helpful tips.

Know your rights and privileges as a UITF

participant by referring to the Declaration of Trust

Compute potential value (based on unit prices),

go to the BDO website and view the Daily NAVpu
or use our UITF calculator. You may also call our
phone banking hotline 631-8000.

View or transact online. If you are enrolled in the

BDO Online Banking, enable My Trust Account/
Invest Online to view all your UITF placements.
You can also transact using this facility.

Get market updates from our fund managers and

the performances of the BDO UITFs by viewing
the Key Information and Investment Disclosure
Statement (KIIDS) or the UITF Weekly Updates in
the BDO website.

Update your Customer Suitability Assessment

(CSA) for your investment/s every three (3) years or
earlier in case there are changes in your
circumstances or requirements to help us provide
you with our investment recommendation that best

BDO Trust and Investments Group

If you need to know more, email us.
Email: investments@bdo.com.ph
Website: https://www.bdo.com.ph/trust

Page 20