Disclosures: The BDO Easy Investment Plan is a wealth build up plan that allows individuals to invest regularly in selected BDO Unit Investment Trust Funds (UITFs). The BDO UITFs are not deposits but trust agreements. They are not obligations of nor guaranteed by BDO and are not insured by 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 invester. The units of participation in the funds when redeemed, may be worth more or less than the initial investment of the investor. Historical performance, when presented, is purely for reference purposes and not 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.