1. Investment Funds Introduction

2. What are these Investments? They are known as the “Trust Products” Unit Investment Trust Fund ((UITF) Mutual Fund (MF)

3. Basic Differences UITF Open-end pooled fund BSP-regulated Units are issued Investors become participants by buying units Unit holders are passive participants Mutual Fund Open-end investment company SEC – regulated Shares are issued Investors become shareholders by buying shares Shareholders are owners of the company, and have voting rights

4. Wide Array of Investments Funds

5. 32 funds PhP 152Bn in fund volume* BPI ‘Classic’ Investment Funds 8 funds 13 funds BPI Index Tracker 4 funds ALFM Funds** 5 funds * As of Dec 2012: UITFs – PhP83Bn MFs – PhP69Bn ** 2 addt’l – BPSF & Ekklesia

6. How do UITFs / MFs work? INVESTMENT MANAGER …and invested in a portfolio STOCKS BONDS CASH Investors Money is pooled… Php UNITS OF PARTICIPATION OR SHARES An investor invests in a pool of funds managed by an Investment Manager. Then the Investment Manager invests in a portfolio consisting of stocks, bonds, etc. depending on the investment objective of the fund.

7. Concept of Units / Shares Investors buy units/shares in a Fund at the particular day’s Net Asset Value Per Unit (NAVPU) / Net Asset Value Per Share (NAVPS)

8. Concept of Units / Shares

9. https://www.bpiassetmanagement.com/pages/products-services-directory/ https://www.bpiassetmanagement.com/pages/investment-funds-monitor/

10. Basic Investment Math BPI Short Term Fund NAVPU date NAVPU (Investment / NAVPU) Units held (NAVPU x Shares held) Current Market Value (136.07 x 73.49) Initial Cost Unrealized Gain/ (Loss) 07/15/13136.0773.49P 9,999.78 0 08/15/13136.2073.49P 10,009.34P 9,999.78P 9.56 Minimum Initial Investment : Php 10,000.00 ALFM Money Market Fund NAVPS date NAVPS (Investment / NAVPS) Shares held (NAVPS x Shares held) Current Market Value (111.34 x 89) Initial Cost Unrealized Gain/ (Loss) 07/15/13111.3489P 9,909.26 0 08/15/13111.5289P 9,925.28P 9,909.26P 16.02

11. Basic Investment Math BPI short term fund NAVPU date NAVPU (Investment / NAVPU) Units held (NAVPU x Units held) Current Market Value (136.07 x 73.49) Initial Cost Unrealized Gain/ (Loss) 07/15/13136.077,349.1585P 1,000,000 0 08/15/13136.207,349.1585P 1,000,955.4P 1,000,000P 955.4 Initial Investment : Php 1,000,000.00 ALFM Money Market Fund NAVPS date NAVPS (Investment / NAVPS) Shares held (NAVPS x Shares held) Current Market Value (111.34 x 89) Initial Cost Unrealized Gain/ (Loss) 07/15/13111.348,981P 999,994.54 0 08/15/13111.528,981P 1,001561.1P 999,994.54P 1,566.56

12. Knowing the Market Money Market Cash, Special deposit account, time deposit Fixed Income Market Government and corporate bonds  For money market and fixed income investments, the Fund earns periodic payments until maturity. Balanced Combination of fixed income securities and stocks Equities Market Stocks  For equity investments, the Fund’s NAVPU appreciation/ depreciation is dependent on the performance of its underlying stock/ equity holdings. Market Classification

13. Presenting Historical Returns It went through volatility during the past years and still able to prove consistency in giving positive returns. We are in a defensive stance in limiting the negative fluctuations. ALFM Money Market Fund BPI Short Term Fund

14. Benefits of Investing in BPI Funds Professional Management cashbonds Team Full time Shops for the best value Experience Team Full time Shops for the best value Experience Money Market Affordable : Minimum Initial Investment is P10,000 / $500 Liquidity Diversification Not only in one type of investment Diversification Not only in one type of investment Better Access to Markets Equities Fixed Income stocks Higher Income Potentialv Transparent Reporting Access Online view, monitor subscribe & redeem on your account Access Online view, monitor subscribe & redeem on your account

15. Basic Product Differences Depositor essentially loans to the bank Covered by PDIC Bank-guaranteed with fixed rate Bank is the legal owner or agent Not covered by PDIC Higher yield potential with no guarantee Traditional Deposits vs. Trust Products

16. Investing Knowing the market Where to invest Knowing your risk profile Assess your tolerance for risk Setting a financial objective Focus on how to achieve the investment objective Determining your liquidity requirement Plan the portion you should invest for short-term, medium-term & long- term horizon

17. Saving is NOT Investing Saving Park Set aside Safekeeping Investing Making your money work for you Potential build-up on your money Using money to buy assets that can give greater returns

18. Saving Inflation Investing Investing can beat Inflation Investing is making your money grow beating inflation; that is consumer goods and services today will not anymore have the same value in the future.

19. Advantages in Investing Investing is taking into consideration the time value of money. Being able to protect the principal amount with its real value that can also give you relatively stable return and potential growth in capital and income. Investing is gaining more with what you already have earned; make your money work hard for you. Whether you are conservative or aggressive, there are funds suited for your risk tolerance and personal needs.

20. THANK YOU Or contact Camille dela Rosa Investment Specialist For Historical Performances of other Funds, click this link: https://www.bpiassetmanagement.com/pages/products-services-directory/ For further information please visit our website: https://www.bpiassetmanagement.com/