Quick Guide on the Use of BDO Invest Online Facility

Is this your first time to open an account using the BDO Invest Online
Facility? If yes, your default choice is “Open a New Account”.

STEP Answer the Investor Profile Questionnaire (IPQ)/Client

1
Suitability Assessment (CSA) to find out what kind of
investor you are and the suitable investments within your
risk profile.

STEP Check if the investment objective, time horizon, features

2
and inherent risks of your selected UITF match your
investment needs, risk tolerance and requirements. Read
and understand the following:
a. Client Investment Suitability (CIS)/ Investment Policy
Statement (IPS)
b. Risk Disclosure Statement (RDS) specific to your selected
UITF

STEP Read the general Risk Disclosure Statement (RDS) to

3
learn and understand that various investments carry
different degrees of risks based on the nature of the
securities, investment vehicles and other factors.

STEP Read, understand, and agree to the terms of the

4
Omnibus Participating Trust Agreement (OPTA) before
making your investment. Keep in mind that the UITF is
not a deposit account but a Trust agreement.

STEP Invest now. Choose your deposit account where funds will

5
be drawn to make your investment. Ensure that the details
are correct before you submit.

Want to learn more? Read the BDO Invest Online Facility Navigation Guide.

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List of Contents

A. How to Accomplish the Investor Profile Questionnaire (IPQ) Online 3

B. How to Open a New UITF/EIP Account 5
C. How to Make a One-Time Investment in BDO UITFs 8
D. How to Invest in BDO UITFs via the BDO Easy Investment Plan (EIP) 11
E. How to Redeem Investments in BDO UITFs 13
F. How to Unsubscribe from EIP 16

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A. How to Accomplish the Investor Profile Questionnaire (IPQ) Online

1. Click Account Information.
Choose Conduct / Update IPQ / CSA

NAVIGATE
Home >> My Trust Investments

My Trust Investments
Welcome, Valued Client
Account Information Conduct / Update IPQ / CSA

Transaction Update CA / SA

2. Click Update.

Conduct / Update IPQ / CSA

Home >> Account Information >> Conduct / Update IPQ / CSA

Welcome, Valued Client

Risk Profile Summary

Lastest IPQ / CSA Score Profile General Investment Approach

Please update IPQ / CSA

View Update

3. Click Proceed.

Conduct / Update IPQ / CSA

Home >> Account Information >> Conduct / Update IPQ / CSA

Welcome, Valued Client

Investor Profile Questionnaire (IPQ) / Client Suitability Assessment (CSA)

Investments and services offered to you by all Trust Institutions are not deposit accounts and are not insured by the Philippine Deposit Insurance Corporation (PDIC). These are
not obligations of, and are not guaranteed or insured by BDO Unibank, Inc. (BDO), its affiliates or subsidiaries and do not carry any guarantees on returns. All income, as well as losses, arising from such
investments/services are for the account of the investors.

This INVESTOR PROFILE QUESTIONNAIRE (IPQ)/CLIENT SUITABILITY ASSESSMENT (CSA) FORM will help you understand the type of investor you are based on your investment objectives,
risk appetite, cash flow requirements and other pertinent details as an investor. While not comprehensive, a general idea of your investment preference will be a helpful guide. On the basis of the
information you provide, we present/recommend to you the various investment instruments/vehicles suitable to your needs and objectives. It is important that your responses to the questions are accurate
and complete. There is no right or wrong answer.

This IPQ/CSA is done prior to account opening and must be updated at least every three (3) years unless you decide to invest in complex investment products in which case this IPQ/CSA will be updated
annually. In case of changes before then in your circumstances, preferences or characteristics (i.e. change in liquidity needs, risk tolerance, tax status, number of dependents, wealth), you should request
for a new CSA to be undertaken by BDO to determine and evaluate your new risk profile, investment objectives and other pertinent requirements. If you do not notify BDO of such changes, it will be
deemed a waiver of your right to a new CSA for the prescribed period.

Cancel Proceed

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4. Answer the Investor Profile Questionnaire (IPQ) / Client Suitability Assessment

(CSA) to know what kind of investor you are and the suitable investments within
your risk profile.
Choose Submit.

Conduct / Update IPQ / CSA

Home >> Account Information >> Conduct / Update IPQ / CSA

Welcome, Valued Client

Choose the best answer for you.

1. What do you want to achieve from this investments?

To keep my funds intact

To have a regular source of income

To make my funds grow

Others, please specify

Choose the best answer for you.

9. How would you rate yourself as an investor?

Very experienced - Highly diversified investment portfolio, investments in major foreign currencies are noted (i.e. US Dollar and Euros), considerable presence of high-risk
investment products/outlets, may contain a sprinkling of offshore placements
Fairly experienced - Investments are diversified with a balance of equities and fixed income, including bonds and government securities. High-risk investments still account
for a small portion of the investment portfolio.
Little experience - Has exposure to term deposits and money market placements, minimum investments in stocks/equities or limited to Initial Public Offerings (IPOs) only.
Much of investments are in fixed-income low-risk instruments.
No experience - Excess funds are mainly parked in bank savings accounts.

Cancel Submit

5. Click I Agree.
6. The result of your IPQ/CSA indicating your score, risk profile, general investment
approach and recommended UITFs suitable to your profile will be displayed.

Risk Profile Score

Based on the result of the IPQ/CSA, the following are your Risk Profile, General Investment Approach and Recommended UITFs.
Please click on each recommended UITF for more information on said UITF. The information will show why the recommendation is
suitable for you.
If you have questions or need further qualifications on the IPQ/CSA or the recommended UITFs,

Score Profile General Investment Approach

Current IPQ Score 24 Aggressive Invests majority of its portfolio in equities

and may also invest in structured products
and/or derivatives

Cancel Submit

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B. How to Open a New UITF/EIP Account

1. Click Transaction
Choose:
a. Regular UITF Subscription - for one-time investment in UITF
b. EIP Contribution/Unsubscription - for scheduled investments in UITF via EIP

NAVIGATE
Home >> Transaction >> Regular UITF Subscription

My Trust Investments
Welcome, Valued Client
Account Information

Transaction Regular UITF Subscription

EIP Contribution / Unsubscription

2. For Regular UITF Subscription (one-time investment in UITF)

Select Open A New Account.
Click Online Facility Service Agreement (OFSA) to understand the terms of
UITF online investing. Read and close the document.
Click Proceed.
Account Selection

Select an account in which you wish to invest

Open a New Account Add to an Existing Account

The use of the UITF Online investing is covered by the Online Facility Service Agreement (OFSA). Please take time to read and
understand the OFSA by clicking on the link below. After reading the OFSA, close the OFSA and continue with your transaction.

Online Facility Service Agreement (OFSA)

Based on the result of the IPQ/CSA, the following are your Risk Profile, General Investment Approach and Recommended UITFs.
I declare that I have completely read, fully understood and agree with the OFSA.
Please click on each recommended UITF for more information on said UITF. The information will show why the recommendation is
suitable for you.
If you have questions or need further qualifications on the IPQ/CSA or the recommended UITFs,
NOTE: For existing investors in the BDO Invest Online, the default option is Add to An Existing Account.

3. For EIP Contribution (scheduled investments in UITF)

Select Open A New EIP Account.
Click Online Facility Service Agreement (OFSA) to understand the terms of
UITF online investing. Read and close the document.
Click Proceed.
Based on the result of the IPQ/CSA, the following are your Risk Profile, General Investment Approach and Recommended UITFs.
Easy click
Please Investment Plan (EIP) UITF for more information on said UITF. The information will show why the recommendation is
on each recommended
suitable for you.
If Select Easy
you have Investment
questions Plan (EIP)
or need Option
further qualifications on the IPQ/CSA or the recommended UITFs,

Open a New EIP Account Change/Add to Existing EIP Account

The use of the UITF Online investing is covered by the Online Facility Service Agreement (OFSA). Please take time to read and
understand the OFSA by clicking on the link below. After reading the OFSA, close the OFSA and continue with your transaction.

Online Facility Service Agreement (OFSA)

I declare that I have completely read, fully understood and agree with the OFSA.

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Existing EIP clients may change the details of their account by choosing
Change/Add to Existing EIP Account.
NOTE: If your screen is different from any of the screens in items 2 and 3
above, please refer to Section A (How to Accomplish the Investor Profile
Questionnaire (IPQ) Online).
Click EIP Joining Terms and Conditions (T&C) and the Auto-Debit
Arrangement Authorization (ADA). Read and close the document.
Click I Agree.

EIP Contribution / Unsubscription

Home >> Transaction >> EIP Contribution / Unsubscription

Welcome, Valued Client

In order to proceed, please read the EIP Joining Terms and Conditions and the Auto-Debit Arrangement Authorization by clicking on the
button below. After reading the document, close the same and continue with your transaction.

EIP Joining Terms and Conditions and the Auto-Debit Arrangement Authorization

Declaration of Client

I, with legal capacity to contract, hereby agree to participate in the Easy Investment Plan (EIP) of BDO Unibank, Inc. Trust and
Investment Group (BDO Trust) and declare that I completely read, fully understood and agree to

I Disagree I Agree

4. As applicable, the question below will appear in your screen.

Answer (click Yes or No) to proceed.

EIP Contribution / Unsubscription

Home >> Transaction >> Regular UITF Subscription

Welcome, Valued Client

Is this your first time to invest in a UITF, whether in BDO or any other trustee institution?

Yes No

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5. To review your existing risk profile on record, click Show my profile on record.

Investor Profile Questionnaire (IPQ) / Client Suitability Assessment (CSA)

Investments and services offered to you by all Trust Institutions are not deposit accounts and are not insured by the Philippine Deposit Insurance Corporation (PDIC).
not obligations of, and are not guaranteed or insured by BDO Unibank, Inc. (BDO), its affiliates or subsidiaries and do not carry any guarantees on returns.
investments/services are for the account of the investors.

This INVESTOR PROFILE QUESTIONNAIRE (IPQ)/CLIENT SUITABILITY ASSESSMENT (CSA) FORM will help you understand the type of investor
risk appetite, cash flow requirements and other pertinent details as an investor. While not comprehensive, a general idea of your investment preference will be a helpful guide. On the basis of the
information you provide, we present/recommend to you the various investment instruments/vehicles suitable to your needs and objectives. It is important that your responses to the questions are accurate
and complete. There is no right or wrong answer.

This IPQ/CSA is done prior to account opening and must be updated at least every three (3) years unless you decide to invest in complex investment products
annually. In case of changes before then in your circumstances, preferences or characteristics (i.e. change in liquidity needs, risk tolerance, tax status, number of dependents, wealth), you should request
for a new CSA to be undertaken by BDO to determine and evaluate your new risk profile, investment objectives and other pertinent requirements. If you
deemed a waiver of your right to a new CSA for the prescribed period.

Cancel Show my profile on record Proceed

To use your existing risk profile on record, click Yes.

Otherwise, click No and Proceed to answer the IPQ/CSA.

Risk Profile Score

Score Profile General Investment Recommended UITFs

Approach

Invests in a mix of BDO Peso Money Market Fund

18 Balanced fixed income BDO GS Fund
securities and equities BDO Peso Fixed Income Fund
BDO Peso Balanced Fund
BDO Dollar Money Market Fund
BDO Dollar Bond Fund
BDO Medium Term Dollar Bond Fund

Would you like to use this profile for your new investment?

No Yes

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C. How to Make a One-Time Investment in BDO UITFs

1. From the list of recommended UITFs based on your risk profile, choose the
UITF you wish to invest in and click Proceed.

Regular UITF Subscription

Home >> Transaction >> Regular UITF Subscription

Welcome, Valued Client

Account Selection

Select an account in which you wish to invest

Open a New Account Add to an Existing Account

UITF139538
Branch: TRUST ONLINE BANKING

Recommended UITFs based on your risk appetite

Click Button to Select Fund Name (Click on specific UITFs for product information)

1 BDO Peso Money Market Fund

2 BDO GS Fund
3 BDO Peso Fixed Income Fund
4 BDO Peso Balanced Fund
5 BDO Dollar Money Market Fund
6 BDO Dollar Bond Fund
7 BDO Medium Term Dollar Bond Fund

Other UITFs beyond your risk appetite

Click Button to Select Fund Name (Click on specific UITFs for product information)

8 BDO Equity Fund

9 BDO Equity Index Fund
10 BDO Sustainable Dividend Fund
11 BDO ESG Equity Fund
12 BDO Focused Equity Fund

13 BDO Global Equity Select Feeder Fund

14 BDO Global Equity Managed Feeder Fund

15 BDO China Equity Feeder Fund

16 BDO Developed markets Property Index Feeder Fund
17 TEST Dollar UITF ONLY for UAT

PHT - Philippine Time (UTC/GMT + 8 hours)

**Investment in UITF is subject to the relevant Declaration of the Trust, The Omnibus Participating Agreement, and the relevant
1
Under BSP Memorandum No. M-2012-034, non-residents are not allowed to invest, either directly or indirectly, in the SDA facility.

Cancel Proceed

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2. Click the Client Investment Suitability (CIS)/Investment Policy Statement

(IPS) to check if your chosen UITF is aligned with your investment objectives.
Read and close the document.
Click I Agree.

Regular UITF Subscription

Home >> Transaction >> Regular UITF Subscription

Welcome, Valued Client

Please check if the fund that you selected is suitable for your investment objectives by reading its
clicking on the link below. After reading the CIS/IPS, close the CIS/IPS and continue your

Client Investment Suitability (CIS) / Investment Policy Statement (IPS)

3. Click the Risk Disclosure Statement (RDS) to understand the various risks
associated with investing in a UITF. Read and close the document.
Click I Agree.
Your investment in the UITF is subject to investment risks that are explained in the Risk
reading the RDS, close the RDS and continue with your transaction.

Risk Disclosure Statement (RDS)

4. Click on the Omnibus Participating Trust Agreement (OPTA) to agree to be

bound by the terms and conditions in participating in a BDO UITF. Read
and close the document.
Click I Agree.
The Omnibus Participating Trust Agreemnt (OPTA) is your agreement to participate in the BDO
link below, and after reading, close the OPTA and continue with your transaction.

Omnibus Participating Trust Agreemnt (OPTA)

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5. Enter the investment amount.

From the drop down menu, select the deposit account number
(CA/SA No.) from where funds will be drawn.
Click Proceed.

Transaction Details

Enter the amount for investment

Amount:

In Words:

CA/SA No.:

6. The summary of your investment will appear.

Click Submit.

7. A confirmation message indicating the successful UITF Subscription will

appear.

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D. How to Invest in BDO UITFs via the BDO Easy Investment Plan
(EIP)
1. Input the EIP investment and details of contribution:
• Fund – select your chosen UITF from the drop down menu
• Amount per Contribution – encode your desired investment amount per
contribution date
• Frequency – select once a month or twice a month from the drop down menu
• Day(s) of Contribution – select the day(s) from the drop down menu when the
scheduled contribution will be made every month
• Contribution Starts On – select the date of first contribution from the drop
down menu
• Account Number – select from the drop down menu your deposit account
number where funds will be drawn on your scheduled contribution dates
Click Apply.

EIP investment and details of contribution

Amount Per Contribution

Fund Frequency Day(s) of Contribution Account Number Actions
Contribution Starts On

1 Apply

** Should a contribution date fall on a weekend, holiday or non-banking day, deduction shall be done on the preceding banking day.
Kindly ensure that your account has sufficient cleared funds a banking day prior to your scheduled contribution.

2. Click the Client Investment Suitability (CIS)/Investment Policy Statement (IPS)

to check if your chosen UITF is aligned with your investment objectives. Read
and close the document.
Click I Agree.

EIP Contribution / Unsubscription

Home >> Transaction >> EIP Contribution / Unsubscription

Welcome, Valued Client

Please check if the fund that you selected is suitable for your investment objectives by reading its
clicking on the link below. After reading the CIS/IPS, close the CIS/IPS and continue your

Client Investment Suitability (CIS) / Investment Policy Statement (IPS)

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3. You may add another UITF to your EIP account by doing steps 1 and 2 above.
When done, click Proceed.

EIP Contribution / Unsubscription

Home >> Transaction >> EIP Contribution / Unsubscription

Welcome, Valued Client

Account Selection

Select the account in which you wish to invest

Open a New EIP Account Change/Add to Existing EIP Account Unsubscribe fro

EIP0049605 Risk Profile: Balanced

Branch: TRUST ONLINE BANKING Last updated on 05-26-2016

EIP investment and details of contribution

Amount Per
Fund Frequency Day(s) of Contribution
Contribution

1 PMMF 10000 Twice a Month 15th 30th

** Should a contribution date fall on a weekend, holiday or non-banking day, deduction shall be
Kindly ensure that your account has sufficient cleared funds a banking day prior to your scheduled

Cancel Proceed

4. Click the Risk Disclosure Statement (RDS) to understand the various risks
associated with investing in a UITF. Read and close the document.
Click I Agree.
Your investment in the UITF is subject to investment risks that are explained in the Risk Disclosure
reading the RDS, close the RDS and continue with your transaction.

Risk Disclosure Statement (RDS)

5. Click on the Omnibus Participating Trust Agreement (OPTA) to agree to

be bound by the terms and conditions in participating in a BDO UITF.
Read and close the document.
Click I Agree.
The Omnibus Participating Trust Agreemnt (OPTA) is your agreement to participate in the BDO
link below, and after reading, close the OPTA and continue with your transaction.

Omnibus Participating Trust Agreemnt (OPTA)

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E. How to Redeem Investments in BDO UITFs

1. Click Transaction.
Choose UITF/EIP Redemption.

NAVIGATE
Home >> My Trust Investments

My Trust Investments
Welcome, Valued Client
Account Information

Transaction Regular UITF Subscription

EIP Contribution / Unsubscription

UITF / EIP Redemption

2. From the drop down menus, select the UITF/EIP Account and the Name
of the Fund you wish to redeem.

UITF / EIP Redemption

Home >> Transaction >> UITF / EIP Redemption

Welcome, Valued Client

Account Selection

Select the account and fund

Please select

Please select

3. The details of the selected UITF (Fund Name, Minimum Holding Period,
Early Redemption Fee and Dealing Period) will appear.
Click Proceed.

Home >> Transaction >> UITF / EIP Redemption

Welcome, Valued Client

Account Selection

Select the account and fund

UITF139483 BDO Peso Money Market Fund

Minimum Holding Period: 0
Early Redemption: 0% of the original participation amount
BDO Peso Money Market Fund Dealing Period: 11:30 AM

Proceed

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4. Select the COP Number for redemption.

Click Proceed.
Welcome, Valued Client

Account Selection

Select the account and fund

UITF139483 BDO Peso Money Market Fund

Minimum Holding Period: 0
Early Redemption: 0% of the original participation amount
BDO Peso Money Market Fund Dealing Period: 11:30 AM

Select COPs for Redemption

Subscription Invested
COP Number Days Elapsed No. of Units
Date Amount

9900808489 02/23/2016 102 68.0459 101,010.00

Total 68.0459 101,010.00

** Redemption of COPs within minimum holding period will be subjected to early redemption fees.
** EIP contributions not covered by COP and will be subjected to non-completion fee.
** Amount is based on the previous banking day’s Net Asset Value per Unit (NAVpu) and is only in
or higher depending on the applicable NAVpu on redemption date.

Back Proceed

5. The summary of your UITF redemption details (Amount, Fund Name, CA/SA No.,
Transaction Date, Redemption Date and Branch) will be displayed.
Choose your CA/SA No. from the drop down menu where redemption
proceeds will be credited.
Click Submit to confirm.

Summary of Redemption Details

Redemption Summary

Amount: UITF139483 Transaction Date: 05-26-20

Fund Name: BDO Peso Money Market Fund (PMMF) Redemption Date: 05-26-20
CA/SA No.: 000661301494-trustuser215B Branch: TRUST O
000661301494-trustuser215B

Select COPs for Redemption

Subscription Invested
COP Number Days Elapsed No. of Units
Date Amount

1 9900808489 02/23/2016 102 68.0459 101,010.00

Total 68.0459 101,010.00

** Redemption of COPs within minimum holding period will be subjected to early redemption fees.
** EIP contributions not covered by COP and will be subjected to non-completion fee.
** Amount is based on the previous banking day’s Net Asset Value per Unit (NAVpu) and is only in
or higher depending on the applicable NAVpu on redemption date.

Back Submit

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6. A confirmation message indicating the successful COP Redemption will

appear.
Successful

COP Redemption completed successfully

NOTES:
1. For an EIP Redemption not covered by a COP, the COP number is indicated as “NA” and
such redemption will be subjected to a non-completion fee.

Select COPs for Redemption

Subscription Invested
COP Number Days Elapsed No. of Units
Date Amount

NA 08/20/2016 27 2.3260 1,000.00

Total 2.3260 1,000.00

** Redemption of COPs within minimum holding period will be subjected to early redemption fees.
** EIP contributions not covered by COP and will be subjected to non-completion fee.
** Amount is based on the previous banking day’s Net Asset Value per Unit (NAVpu) and is only in
or higher depending on the applicable NAVpu on redemption date.

Back Proceed

2. Redemption of COPs within minimum holding period will be subjected to early

redemption fees.
3. The “Amount as of (mm/dd/yyyy)” is based on the previous banking day’s NAVpu and is
only indicative. The actual settlement amount may be lower or higher depending on the
applicable NAVpu on redemption date.

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F. How to Unsubscribe* from EIP

1. Click Transaction.
Choose EIP Contribution/Unsubscription

NAVIGATE
Home >> My Trust Investments

My Trust Investments
Welcome, Valued Client
Account Information

Transaction Regular UITF Subscription

EIP Contribution / Unsubscription

UITF / EIP Redemption

2. Select Unsubscribe from EIP.

From the drop down menu, select the EIP account you wish to
unsubscribe from.
Click Proceed

EIP Contribution / Unsubscription

Home >> Transaction >> EIP Contribution / Unsubscription

Welcome, Valued Client

Account Selection

Select the account in which you wish to invest

Open a New EIP Account Change/Add to Existing EIP Account Unsubscribe from EIP

Please Select
Risk Profile: Balanced
Last updated on 05-26-2016

Proceed

*Unsubscription from EIP is initiated by the participant when he no longer wishes to

participate in the EIP.

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3. Under the Actions column, click Unsubscribe applicable to the UITF you
wish to unsubscribe from.
Click Proceed.

Days(s) of Contribution
Account Number Actions
Contribution Starts On

10th and 25th 06-10-2016 000661301494 Unsubscribe

20th and 5th 06-20-2016 000661301494 Unsubscribe

15th and 30th 06-15-2016 000661301494 Unsubscribe

gether with Notices of Unsubscription received after cut-off time will be consulted as transactions.

med and subjected to a non-completion fee of 0.50% of the original participation amount.

Back Proceed

4. The summary of your EIP unsubscription details will be displayed.

Click Submit to confirm.

Summary of Unsubscription Details

Unsubscription Details

Account: EIP0049554 Unsubscription Date: 05-04-2016 8:15:05

Branch: TRUST ONLINE BANKING

EIP investment and details of contribution

Amount Per Day(s) Amount

Fund No. of Units
Contribution Contribution Invested

1 PBAL 2,000.00 10th and 25th 6,000.00 1.6585

** Notices of Unsubscription received on scheduled contribution dates which together with Notice
for the next banking day.
** EIP Contributions that are not covered by a COP will be automatically redeemed and subjected

Back Submit

5. A confirmation message indicating your successful unsubscription will

appear.
Successful

Fund ‘PBAL’ unsubscribed successfully

NOTES:
1. Notices of unsubscription received on a scheduled contribution date or after the cut-off
time will be considered as transactions for the next banking day.
2. EIP Unsubscription for contributions that are not covered by a COP will be
automatically redeemed and subjected to a non-completion fee of 0.50% of the original
participation amount.

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