BPI SAVINGS

Mai, Michelle A.

BPI INVESTMENT FUNDS

The BPI Investment Funds are funds that seek to offer

attractive risk-adjusted returns with a focus on

undervalued and lower beta names, shorter durations
and diversification principles consistent with capital
preservation. The BPI Investment Funds are best
suited to investors who are generally conservative,
looking for stability, minimal volatility, certainty of
income.

Fund Name

Fund Type

Minimum Initial
Investment/
Maintaining
Balance

Minimum RSP
Initial Order
Amount**

Minimum
Transaction
Amount and
minimum RSP
Subsequent
Order Amount

Trust Fee

Moderately Conservative
BPI Short Term
Fund

Money Market
Fund

PHP 10,000

PHP 0

PHP 1,000

0.50%

BPI Premium
Bond Fund

Intermediate Bond
Fund

PHP 10,000

PHP 0

PHP 1,000

1.50%

BPI US Dollar
Short Term Fund*

Money Market
Fund

USD$ 500

USD$ 0

USD$ 200

0.50%

USD$ 200

0.75%

Moderately Aggressive
BPI Global
Fund-of-Funds

Bond Fund-ofFunds

ABF Philippines
Bond Index Fund
Bond Index Fund

USD$ 500

USD$ 0

0.08%
TrustFee
PHP 10,000

PHP 0

PHP 1,000
0.186%
Mgmt Fee

Fund Name

Fund Type

Minimum Initial
Investment/
Maintaining Balance

Minimum Transaction
Minimum RSP Initial Order
Amount and
Amount**
minimum RSP Subsequent
Order Amount

Trust Fee

Aggressive
BPI Balanced Fund

Balanced Fund

PHP 10,000

PHP 0

PHP 1,000

1.50%

BPI Equity Value Fund

Equity Fund

PHP 10,000

PHP 0

PHP 1,000

1.50%

Equity Fund

PHP 10,000

PHP 0

PHP 1,000

1.50%

Equity Fund-of-Funds

USD$ 500

USD$ 0

USD$ 200

1.50%

Equity Index Fund

PHP 10,000

PHP 0

PHP 1,000

1.50%

Bond Index Fund

USD$ 500

USD$ 0

USD$ 200

0.25%

US Equity Index Fund

USD$ 1,000

USD$ 0

USD$ 500

0.75%

European Equity Feeder

Fund

USD$ 1,000

USD$ 0

USD$ 500

0.75%

Bond Fund-of-Funds

PHP 1,000,000

PHP 0

PHP 10,000

Waived

BPI Philippine High

Dividend Equity Fund

BPI Global Equity Fund-ofFunds

BPI Philippine Equity

Index Fund

Philippine Dollar Bond

Index Fund

BPI US Equity Index

Feeder Fund

BPI European Equity

Feeder Fund***

BPI Fixed Income Portfolio

Fund-of-Funds****

ODDYSEY FUNDS
Odyssey Funds are actively-managed funds that

represent BPI AMTG's specialist or opportunistic

strategies that express the fund manager's best ideas
to derive higher total return consistent with clients'
more aggressive risk profiles. The Odyssey Funds are
best suited for the more aggressive investors, have
preference for specific sectors, looking to create
wealth and expand their asset bases.

Fund Name

Fund Type

Minimum Initial
Investment/
Maintaining Balance

Minimum Transaction
Amount and Minimum
RSPSubsequent Order
Amount

Trust Fee

PHP 0

PHP 5,000

1.00%

Minimum RSP Initial

Order Amount*

Moderately Aggressive

Odssey Peso Medium

Medium Term Bond Fund
Term Bond Fund

PHP 10,000
Aggressive

Odyssey Peso Bond

Fund

Odyssey Diversified
Capital Fund

Odyssey Diversified
Balanced Fund

Odyssey Philippine
Equity Fund

Odyssey Philippine
High Conviction Equity
Fund

Odyssey Philippine
Dollar Bond Fund

Odyssey Asia Pacific

High Dividend Equity
Fund

Long Term Bond Fund

PHP 10,000

PHP 0

PHP 5,000

1.00%

Balanced Fund

PHP 10,000

PHP 0

PHP 5,000

1.50%

Balanced Fund

PHP 10,000

PHP 0

PHP 5,000

1.50%

Equity Fund

PHP 10,000

PHP 0

PHP 5,000

2.00%

Equity Fund

PHP 10,000

PHP 0

PHP 5,000

2.50%

Long Term Bond Fund

US$ 1,000

US$ 0

US$ 100

1.25%

Equity Fund

US$ 5,000

US$ 0

US$ 1,000

1.75%

ALFM MUTUAL FUNDS

BPI Investment Management Inc. (BIMI) manages six

ALFM Mutual Funds. Investors can either choose a

single fund to invest in or create their own
diversified portfolios, depending on their respective
risk profiles and investment goals.

https://www.alfmmutualfunds.com/

INSURANCE

CRITICAL CARE PLUS

Pays a benefit amount for major illnesses, surgeries and
accidents.
Provides life insurance coverage until age 100.
Replaces income lost during hospitalization to cover your
familys day-to-day expenses or medical costs.
Builds up a savings fund that grows over time and acts as a
health fund to pay for other medical costs (i.emedicine,
surgical equipment, etc.)
Ensures continuous life protection coverage even in the event of
non-payment of premiums upon diagnosisof major illness.
Tailor-fits your payment terms based on your budget, where you
can choose from 5, 7, or 10-year payment periods.

BUILD LIFE PLUS

Build Life Plus comes with life insurance benefits.

Should anything happen to you, your family will

receive benefits, giving them financial security.

Choose from easy-to-pay options of as low as P1,800 a

month for a regular-pay product. Pay in as short as 5,

7, or 10 years. Plus, build up your investment anytime
through additional premiums called Top-ups.

*Age 30, male, P500,000 Basic Life Coverage and with

P500,000 A&H - P1,758.49 monthly.

BUILD LIFE PLUS COMES WITH THE OPTION TO ADD RIDERS TO

GET MORE OUT OF YOUR INVESTMENT. RIDERS ARE ADDITIONAL
BENEFITS YOU CAN GET ON TOP OF THE BASIC PLAN. CHOOSE
BETWEEN THESE RIDERS TO MATCH YOUR DREAMS.

LIFE EXTREME PROTECT

Life Extreme Protect gives you a high insurance coverage to ensure your familys financial security

during your critical working years.

Life Extreme Protect can give you 10% additional life insurance coverage without additional cost.

You can enjoy this bonus as long as you pay your premium on time.

Your life insurance coverage changes with any life changing event (e.g. new child, marriage, death

of spouse, adoption of legal child).

The increase will be guaranteed upon submission of legal documents supporting the occurrence of

such life event.

Your coverage from Life Extreme Protect will continue regardless of the fund performance during

the first 10 years of your policy. **

Life Extreme Protect helps you grow your money by investing in professionally-managed peso

funds.

You can also increase your savings through top-up premiums which you can make regularly or

whenever you have available cash.

Upon age 60 or on the 11th policy year (whichever is later), you may decrease the Face Amount to

boost long term savings by putting a bigger portion of your money to your chosen funds.

INVEST PESO MAX

Critical Illness Coverage. Get a lump sum cash benefit in the

event of a diagnosis of a covered critical illness.

Accident and Health Coverage.Get an additional lump sum

benefit in the event of death, disability and dismemberment due

to an accident.

Term Insurance.Get more from what the base plan has to offer

with additional life coverage.

HAVE FULL CONTROL OF YOUR PLAN AND SAVINGS.

Access your money easily through partial or full withdrawal of

the Account Value and boost your investment fund through

additional premium payments called top-ups.

INVEST PLUS DOLLAR

For as low as $5,000, you get this single pay-life insurance product.

Build up your investment anytime through additional premiums called top-ups.

Provides guaranteed life insurance coverage equivalent to 125% of single premium plus 125%
of top-ups less 125% of each partial withdrawal of the Account Value, whichever is higher.

Notes:

1. This product will be issued under GIO by default provider that theapplication satisfies the GIO
limits.

2. The Life Insurance coverage for the 2 years may be reduced according to theprovision of
Guaranteed Insurability Endorsement (GIE).

The Invest Plus Dollar Advantage:

Single Pay Dollar denominated variable life.

Allows you to invest in a diversified portfolio of fixed income instruments.

Provided plan is in-force; it protects your investment as much as it protects the investor until
age 100.

HEALTH SAVE 10
Provides daily cash benefit for a maximum of 365 days per

accident or illness to cover the loss of income of each day of

confinement.

Enjoy the Unique Money Back Feature

Gives your premiums back after 10 years, with or without

Daily Hospital Income claims.

Be pleased with an Affordable and Convenient Plan

No medical exam required except in specific cases as required

by the Company.

Fixed premiums from the 1st year up until the 10th year.

LIFE PROTECT HEALTH

Guaranteed Life Insurance
Equal to 100% of your plans face amount for 10 years.
Accelerated Critical Illness Benefit
Receive 100% of the plans face amount upon diagnosis of a critical

illness.

Accelerated Terminal Illness Benefit

Provides 100% of the plans face amount upon diagnosis of a terminal

illness.

No Claim Benefit
Get back 50% of all annual premiums paid, including rider premiums, at

the end of the 10th policy year if no claims are made.

LIFE PROTECT
Now you can protect your family from life's uncertainties for as low as PHP 320.00 a month*, for a

PHP 1M life coverage!

Depending on your budget, Life Protect lets you choose from among 1-year, 5-year or 10-year

premium-paying periods.

Guaranteed Life Insurance

Equal to 100% of your plan's face amount for the duration of your chosen coverage period.

Increase in Renewal Coverage

Upon first year of renewal, you are given the option to increase as much as 10%** of your policy's
original face amount without having to go through medical examinations.

Convertibility

You may convert your plan to another plan type of insurance package within a period of time.

Renewability

Policy is renewable every year, every 5 years, or every ten years depending on your chosen plan
type.

*Basic plan premium only for one year coverage at age 30.

** Takes effect on any term renewal date period but shall be allowed only once during policy's life
time.

ACCIDENT GUARD 24/7

Accidental Death Benefit

Provides the 100% of the principal sum when injury results in the loss of life.

Accidental Dismemberment & Loss of Use and Permanent & Total Disability Benefit

Provides a percentage of the principal sum corresponding to a schedule when injury results in an Accidental Dismemberment
or Loss of Use of various parts of the proposed Insureds body within one hundred eighty (180) days after the accident.

Permanent and Total Disability Indemnity Benefit

Provides a monthly cash benefit equal to 3% of your coverage for 32 months on the 7th month of continuous, permanent and
total disability. Receive a lump sum benefit of 4% of the Principal Sum if you remain totally and permanently disabled one
month after the 32nd monthly benefit payment.

Special Major Accidental Dismemberment Benefit

Receive an additional 25% of your principal sum if injury results to any of the following accidental dismemberment or loss of
use:

1. Accidental Dismemberment of Loss of Use of Both Hands

2. Accidental Dismemberment of Loss of Use of Both Feet

3. Accidental Dismemberment of Loss of Use of One Hand and One Foot
4. Loss of Sight of Both Eyes

Special Compassionate Benefit

Receive 2.5% of your principal, up to a maximum of PHP 100,000, in case of death not resulting from injury caused by an
accident except for suicide while sane committed within two years from effective date or reinstatement date.

Renewal Bonus

Your principal sum will automatically increase by 5% each year for the first five consecutive years, applicable only to the first
PHP 800,000 of your total PA coverage.

Coverage for Murder

Get as much as 100% of the benefits payable, up to a maximum of PHP 2,000,000, for injury due to murder.

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