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THESE ARE NOT DEPOSIT PRODUCTS. EARNINGS ARE NOT ASSURED AND PRINCIPAL AMOUNT INVESTED IS EXPOSED TO RISK OF LOSS. THESE PRODUCTS CANNOT BE SOLD TO YOU UNLESS THE BENEFITS AND RISKS HAVE BEEN THOROUGHLY EXPLAINED. IF YOU DO NOT FULLY UNDERSTAND THESE PRODUCT, DO NOT PURCHASE OR INVEST.

These are NOT DEPOSIT products and are not an obligation of, or guaranteed, or insured by BPI Wealth or Bank of the Philippine Islands (BPI) or its affiliates or subsidiaries and are not insured by the Philippine Deposit Insurance Corporation (PDIC).  Any income or loss arising from market fluctuations and price volatility of securities, even if invested in government securities, is for the account of the investor/trustor. As such, units of participation of the investor/trustor, when redeemed, may be worth more or be worth less than his/her initial participation/contribution. Due to market fluctuations, yields cannot be guaranteed, and potential losses or gains are for the investor's account. Historical performance is for reference only, and BPI Wealth is not liable for losses, except in cases of willful default, bad faith, or gross negligence. Investors are advised to read the Declaration of Trust of the relevant trust product before investing.

Regulated by the Bangko Sentral ng Pilipinas, https://www.bsp.gov.ph, and Securities and Exchange Commission, https://www.sec.gov.ph.