Whether you’re a newbie or a savvy investor, BDO has the expertise to make your investments work for you.

It begins with knowing your investment profile and laying down your objectives. Depending on your needs, we design a customized investment package that can help make your money grow to give you the results you desire.

We partner with you in securing and managing your finances for as long as you require – whether your goals evolve from investment to inheritance, success to succession.

If you’re considering investing, consider BDO and together, we can raise your investments to the next level.

What are time deposits?If you’ve only just begun to consider investing, time deposits are a good place to start. A time deposit or term deposit is a facility wherein you can put in your investable funds for a specified amount of time. During that time, your investment cannot be withdrawn but it will earn a specific interest rate higher than regular deposit accounts. BDO has a range of time deposit products for you to consider.

What are Unit Investment Trust Funds?Unit Investment Trust Funds (UITFs) are ready-made investment portfolios that allow the pooling of funds from different clients with similar investment objectives for the purpose of collective placements in various securities. If you are ready to go beyond traditional bank deposit products and wish to gain access to financial markets usually just available to bigger investors, then UITFs may be an ideal choice for you. With BDO UITFs, common investment concerns such as affordability, returns, liquidity and investment expertise are addressed. Our wide selection of UITFs allows you to choose a fund or a combina-tion of funds that suit your needs, financial requirements and life goals.

BDO Investments

The best wayto achieve.

With an availed BDO Auto or Home Loan plus a Savings or Current Account, you automatically qualify for the BDO Rewards Program.

Earning PointsIt’s easy to earn points. Once qualified, each month, you can earn: - up to 5 points for every Php 100,000 auto loan balance - up to 5 points for every Php 200,000 home loan balance.

You can also earn points from other qualified BDO products and services such as: deposit accounts, investments, debit card payment transactions, remittances and paying bills via ATM, phone, mobile or Internet. Present your Rewards card to the cashier at SM, SM retail establishments and other BDO Rewards Partners and earn points from your purchases!

Using Points For Free ShoppingUse your BDO Rewards points to shop at SM Depart-ment Store, SM Supermarket, SM Hypermart, and for purchases at SM Cinema and other SM retail establish-ments. You can start shopping with as low as 50 points or Php 50.00. Simply present your Rewards card to the cashier.

Only BDO rewards you with free SM shopping points, exclusive perks and one-of-a-kind privileges!

Banking has never been this rewarding!

BDO RewardsOffering financial savvy andflexibility for your every investment.

For more information on your savings options, visit www.bdo.com.ph

BDO Customer Contact Center: (632) 631-8000

Domestic Toll Free-Numbers:1-800-10-631-8000 ( PLDT )1-800-3-631-8000 ( Digitel )1-800-8-631-8000 ( Globe )1-800-5-631-8000 ( Bayantel )

Two kinds of government securities are available from the Philippine Government through the Bureau of Treasury. Treasury Bills and Treasury Bonds are made available to you through reliable licensed dealers such as BDO. You enjoy these investment facilities at virtually no risk since these are direct and unconditional obligations by the Philippine government.

Treasury Bills

Treasury Bills are a solid choice if you want a low-risk investment that earns returns within a shorter term. For a minimum Php 100,000, enjoy the gains as your investment yields higher interest in tenors of less than a year.

Treasury Bonds

For long term, low-risk investments, Treasury Bonds are ideal. These mature at tenors ranging from 2 years to 25 years, depending on their availability. For a minimum of Php 100,000.00, you see the fruits of your investment through regular coupon interest payments, plus the effective yield of the entire investment can also be increased when these interest payments are reinvested in other interest - earning instruments. What’s more, your investment in Treasury Bonds can be used as collateral for loans with BDO.

Easy Investment Plan

The BDO Easy Investment Plan (EIP) is a wealth build-up scheme that enables you to attain your financial goals and financial wellness through the twin habits of regularly saving and investing. It incorpo-rates what investment experts consider as the best, tried and tested principles that make a successful saving and investment plan and provides a solution to counter the major obstacles to saving and investing.

Customized Investment Portfolios

If you wish to have a customized investment portfolio, open a Trust or Investment Management Account with BDO Trust and let its expertise work for you. BDO Trust will manage your funds, aiming to make the most of your money while taking into account your investment objectives, preferred type of securities and strategies and set guidelines.

Competitive Rates. Expert Advise. Sound Investments.

Time Deposit DescriptionMinimum

PlacementProof of

OwnershipInterest

RateTerms

DescriptionMinimum

Investments Best suited for

Peso Term Account P1,000

Earns higher than a regular Peso savings account and allows you to schedule the release of your funds at the terms you want.

Dollar Time Deposit $1,000

Enjoy higher earnings for your dollars and schedule the release of your funds on the date you specify.

Kabayan Peso Time Deposit P1,000

Overseas Filipino Workers (OFWs) and their beneficiaries get more for their money in this secure facility.

Kabayan Dollar Account $1,000

Overseas Filipino Workers (OFWs) and their beneficiaries can keep hard-earned dollars and enjoy tailor-fit benefits.

MONEY MARKET FUND TYPEBDO Peso Money Market Fund (PMMF)BDO Dollar Money Market Fund (DMMF)

Aims for capital preservation and income generation from low risk investments

PMMF - P 100,000 DMMF - $ 2,000

Moderate Investor with an investment time horizon of at least six months to a year

BALANCED FUND TYPEBDO Peso Balanced Fund (PBAL)

Strives to achieve capital appreciation over medium to long-term through a combination of fixed income investments and stocks

PBAL* - P10,000

Balanced Investor with an investment time horizon of more than three years

EQUITY FUND TYPEBDO Equity Fund (Equity)

Maximizes returns for wealth accumulation by investing mainly in equities.

PBAL* - P10,000

Balanced Investor with an investment time horizon of more than three years

BOND FUND TYPEBDO Peso Bond Fund (PBF)BDO GS Fund (GSF)BDO Peso Fixed Income Fund (PFIF)BDO Dollar Bond Fund (DBF)BDO Medium Term Dollar Bond Fund (MTDBF)

Aims for capital preservation and higher yields by investing in short to long term fixed income securities.

PBF, GSF - P100,000 PFIF* - P 10,000DBF, MTDBF - $2,000

Moderate Investor with an investment time horizon of at least three years

BDO Unit InvestmentTrust Fund (UITF)

*Also available via the BDO Easy Investment Plan

Disclosure: BDO Unit Investment Trust Funds (UITFs) are not deposits but trust agreements. They are not obligations of, nor guaranteed, by BDO and are not insured by the PDIC. UITFs do not carry any guaranteed rates of return. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITFs, including government securities, is for the account of the investor. The units of participation in the funds, when redeemed, may be worth more or worth less than the initial investment of the investor. Historical performance, when presented, is purely for reference purposes and not a guarantee of similar future results. BDO, as trustee, is not liable for losses unless there is fraud, willful default, bad faith or gross negligence on its part.

OTHER TRUST PRODUCTSGOVERNMENT SECURITIES

Quoted Daily by Treasury

Certificate of Time Deposit

Quoted Daily by Treasury