Trust Unit Investment Trust Fund Just starting to invest? Let Bank of Commerce share with you the power of retail investments and guide you in your journey in the exciting world of UITFs! For as low as PhP 10,000 or USD 1,000, you may choose from a conservative, moderate, or aggressive type of UITF, depending on your objective and risk appetite. Just have yourself assessed to see which UITF suits you; and more importantly, be educated on the pertinent risks. With UITFs, your money is invested in open-ended pooled funds managed by professional investments team in the most prudent manner possible. Other benefits are as follows: Savings build-up Affordability Diversification Liquidity Better earnings potential Get into the habit of investing with our pooled investment schemes: Your Needs Which UITF Suits You? Risk Appetite Objective Horizon Conservative To preserve capital Less than 1 year DIVERSITY MONEY MARKET FUND (DMMF) Moderate To achieve capital growth At least 5 years DIVERSITY PESO BOND FUND (DPBF); or DIVERSITY DOLLAR BOND FUND (DDBF) Aggressive To achieve long-term capital growth and dividend income generation At least 5 years DIVERSITY DIVIDEND FOCUSED FUND (DDFF) FAQs Diversity Peso Bond Fund Diversity Dollar Bond Fund Diversity Dividend Focused Fund Diversity Money Market Fund Investment Management Account Perhaps you already have accumulated so much funds and are looking for higher yields. Whether it be to maximize your short-term or long-term funds, let Bank of Commerce source suitable investments and set up an Investment Management Account (IMA) for you! From short-term commercial papers, to government and corporate bonds, and to preferred and common shares, we can create a portfolio tailored to your investment goals and target returns. We will provide updates on what are available and upcoming from the primary and secondary markets. Let us be your trusted adviser on how to keep up with or beat inflation, to take advantage of earning from the debt and equity markets, and to plan your financial obligations with future financial comfort. Let your money work for you. Benefits of an IMA: Direct selection of an investment outlet Continuity of fund management Access to a wide array of high-yielding investments Customized portfolio Administrative ease Retirement Fund Do you want to reward your employees for their loyalty and productivity? Corporations can set up a retirement fund in accordance with laws regarding retirement benefits with the option of rewarding more than what the law requires. Bank of Commerce can help give your employees a sense of security throughout their tenure via a retirement fund. More importantly, we will help you comply with the regulatory requirement of providing retirement benefits to eligible retirees. From setting up, implementing, and managing the Fund, we shall assist you on how to make the process as convenient as possible. Our scope of services: Implementation of your fund’s plan rules and regulation; Assistance on the procurement of a tax-exemption certificate on your fund from the Bureau of Internal Revenue (BIR); Coordination with your Human Resource Team on the administration aspects of a Retirement Fund, to further improve your retirement benefits; Professional management of your Fund’s assets with the objective of maximizing returns while minimizing risks; and Periodic financial statements detailing all your investments. Escrow Service Do you need an independent and objective third party to help you with the monitoring of terms in a contract involving the exchange of money, securities, documents or properties? Through an Escrow, Bank of Commerce can ensure faithful compliance with the terms of the contract, and protect the respective interests of all parties involved. How can we help you? Your Needs Which Escrow Addresses Your Need? Buying or selling a property BUYER-SELLER ESCROW We can help you facilitate the agreement where both parties should meet the terms and conditions before the funds and title are released to the respective parties. Selling your primary house CAPITAL GAINS TAX ESCROW You can be exempt from capital gains tax, provided that you will acquire or construct your new principal residence within 18 months. A Licensed Overseas Recruitment company complying with the POEA requirements PHILIPPINE OVERSEAS EMPLOYMENT AGENCY (POEA) ESCROW The company is required to deposit in escrow an amount prescribed by the POEA to meet the claims of the agency and the workers. A property developer in need of a Temporary License to Sell HLURB ESCROW The company needs to open an escrow account wherein sales proceeds are deposited thereto. Need to safekeep the source code of your software? SOURCE CODE ESCROW PERSONAL MANAGEMENT TRUST We take care of your future plans for your family. We can help you provide a sense of security for you and your children, from education, to lifestyle sustenance, to estate planning and to other qualified purposes for your intended beneficiaries Did you know that? Your assets can become frozen upon demise and get divided to your immediate family members or beneficiaries based on what the Law prescribes. The length of obtaining the Grant of Probate can take from 1 year up to 10 years. All the monies distributed to your young children will be handled by their guardian. But isn’t it best to distribute wealth based on your preferences? Eliminate the long wait and the expenses to get Probate? What if your appointed guardian mishandles what is earmarked for your children? We can help you plan to secure your beneficiaries’ future. A Personal Management Trust Account gives you the power to manage and distribute your wealth to your family based on your wishes and even beyond your lifetime. It efficiently transfers your assets placed under the trust, especially with the help of a trusted entity who will objectively administer your assets based on your guidelines. OTHER FIDUCIARY SERVICES Interested in tapping the investing public for the needed capital for your business expansion and other long-term expenditures? Do you need an objective party for your credit facilities? Bank of Commerce shares with you the technical expertise to come up with the best arrangements and execute them. How can we help you? Type of Service Features FACILITY AGENCY We fulfill various responsibilities within a lender-borrower arrangement, ensuring the systematic and timely execution of administrative tasks and duties in the implementation and completion of the provisions stipulated in a loan agreement. MORTGAGE TRUST INDENTURE (MTI) We serve as an intermediary between the borrower and its creditors relative to the management and administration of collateral ensuring maximized use of the foregoing at minimum cost. SAFEKEEPING We ensure the safety and preservation of important documents such as certificates and titles, under specified conditions. This service is available for both Personal and Corporate/Institutional clients. KEY INFORMATION AND INVESTMENT DISCLOSURE STATEMENTS FOR UNIT INVESTMENT TRUST FUNDS Diversity Money Market Fund 2014 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2015 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2016 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2017 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2018 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2019 1st Quarter 2nd Quarter 3rd Quarter Diversity Peso Bond Fund 2014 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2015 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2016 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2017 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2018 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2019 1st Quarter 2nd Quarter 3rd Quarter Diversity Dollar Bond Fund 2014 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2015 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2016 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2017 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2018 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2019 1st Quarter 2nd Quarter 3rd Quarter Diversity Dividend Focused Fund 2015 2nd Quarter 3rd Quarter 4th Quarter 2016 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2017 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2018 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2019 1st Quarter 2nd Quarter 3rd Quarter Want to know more? Email us at firstname.lastname@example.org or contact us at 214-8800. A Trust/ Investment Management/ Unit Investment Trust Fund (UITF) Account is NOT a DEPOSIT and not insured by PDIC. Due to the nature of the investments, yield and potential yields cannot be guaranteed. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor. As such, units of participation of the investor in the UITF, when redeemed, may be worth more or be worth less than his/her initial investments/contributions. Historical performance, when presented, is purely for reference purposes and is not a guarantee of future results. The trustee is not liable for losses, unless upon willful default, bad faith or gross negligence.