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March 18, 2024 T O : All Clearing Banks/Institutions R E : NEW CLEARING PARTICIPANTS/BRSTN REGISTER UPDATES 1. With reference to various request letters/notices received from the cl earing participant banks, we enumerate hereunder the following updates to the PCHC clearing participant banks/BRSTN Register and Operating Parameter, viz: 1.1. New Clearing Participants BANK/BRANCH BRSTN ADDRESS BDO - Juan Luna - Plaza 01053-702-6 G/F, First Binondo Centre, 522 Juan Luna St., Brgy. 287, Lorenzo Ruiz Zone 27, Binondo, Manila 1006 One CB - Digos 03161-001-6 CBDS Bldg. Magsaysay St. Zone 3, Digos City (8002) One CB - Bataan 06161-001-5 G/F Leonida Bldg. Capitol Drive, San Jose Balanga City, Bataan One CB - Bislig 58161-001-6 P. Lauron St. Brgy., Mangagoy Bislig City, Surigao Del Sur (8311) One CB - Oroquieta 76161-001-4 268 Sen. J. Ozamis St. Poblacion 1, Oroquieta City (7207) 1.2. Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01014-137-3 SBC Masangkay La Torre – La Torre Masangkay - La Torre – 1254 Street, Tondo, Manila Masangkay Street corner La Torre Street, Tondo, Manila 01026-452-2 Metro Fort Met Museum – BGC, Fort - MK Tan – MKTan Taguig Centre along 30th Street, Bonifacio Global City, Taguig 16026-009-4 Metro Legazpi - Albay District – Albay District, Legazpi City Legazpi - Albay – Rizal Street, Cor. Dona Aurora, Legazpi City, Albay 01049-992-8 USB Treasury Department – Manila Financial Accounting and Tax Management Department (FATMD) – 7th Floor Robinsons Cybergate Magnolia Aurora Blvd. cor. Dona Hemady St., New Manila, Quezon City 01049-993-1 USB Loans and Accounting Dep’t. Loans Accounting Department – Manila (LAD) – 7th Floor Robinsons Cybergate Magnolia Aurora Blvd. cor. Dona Hemady St., New Manila, Quezon City 01121-005-4 BMI Pasay Libertad Micro Finance MF Pasay – Ground Floor, Galvez – Pasay City Building 257 Arnaiz Avenue, Libertad Pasay City 22154-003-5 GM Bank – Tarlac City Tarlac City Panganiban Street, Brgy. San Nicolas, Tarlac City 2. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective March 18, 2024. 3. For your information and guidance.

February 20, 2024 T O      :              All Clearing Banks/Institutions R E        :              SUSPENSION OF BANKING OPERATIONS IN DAVAO CITY (CLEARING REGION 03) 1.      We received a copy of Dabaw City Bankers Association, Inc. Resolution No. 2024-002, suspending banking operations in their area on March 1, 2024 in view of the suspension of work per advisory of the City Government of Davao, marking its 87th Araw ng Davao where it is declared a special non-working day in the city per Proclamation No. 467. 2.      As such, there will be no outward clearing operations in Davao City on said date, except for returned items. 3.      For information and guidance.

February 16, 2024 TO : All Clearing Banks/Institutions RE : NEW CLEARING PARTICIPANTS/BRSTN REGISTER UPDATES 1. With reference to various request letters/notices received from the cl earing participant banks, we enumerate hereunder the following updates to the PCHC clearing participant banks/BRSTN Register and Operating Parameter, viz: 1.1 New Clearing Participants BANK/BRANCH BRSTN ADDRESS BDO NB - Pangasinan - San Fabian 05118-012-8 G/F, Units 1 I - & 1 - J, Commercial Bldg., National Highway, Brgy. Cayanga, San Fabian, Pangasinan BDO NB - Camarines Sur - Buhi 07118-011-1 #394, G/F, Bulalacao St., Zone 6, San Buenaventura, Buhi, Camarines Sur BDO NB - Iloilo - Barotac Viejo 08118-020-8 G/F, JTC Balderas Bldg., Rizal St., Poblacion, Barotac Viejo, Iloilo BDO NB - Mountain Province-Bontoc 12118-006-1 G/F, Units 1-2, Bontoc At Rium & Cenon Bldg., 15 & 16 National Highway, Brgy. Poblacion, Bontoc, Mountain Province BDO NB - Sorsogon - Gubat 16118-012-8 Gubat Public Market, Brgy. Luna Candol, Gubat, Sorsogon PSBC - Casiguran 13122-051-3 Barangay Marikit, Casiguran, Aurora 1.2. Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01008-974-9 PNB Cards and Payments Solution CFS - Settlement and Bills Group–Pasay City Processing Dept. – 8th Floor PNB Financial Center, Pres. Diosdado Macapagal Blvd., Pasay City, Metro Manila 06008-006-0 PNB San Fernando City - East – Pampanga - Mexico - L. Plaza – Pampanga Units 6-8, L’ Plaza Mexico Building, Jose Abad Santos Ave., Brgy. Lagundi, Mexico, Pampanga 01049-999-9 USB–Central Clearing Manila 106 Neptune St. Kalayaan Ave. Dep’t. corner Makati Ave. Poblacion, Makati City 14053-007-4 BDO–Lucena-Tagarao Lucena City, Quezon Ground Floor, MTS Bldg., M.L. Tagarao St., Brgy. 3, Lucena City, Quezon 02062-014-3 East West–Cebu-A.S. Cebu Orion Corporate Center, A.S. Fortuna Fortuna St. corner Sacris Road, Banilad, Mandaue City 2. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective February 16, 2024. 3. For your information and guidance.

March 5, 2024 T O : All Clearing Participant Banks/Institutions R E : IMPLEMENTATION OF THE PM ADJUSTMENT WINDOW AND VALUE-DATING OF AM RETURNS ON SETTLEMENT DATE 1. In connection with the implementation of the Amended Check clearing and Settlement Rules as circularized in BSP Circular 1180, we are releasing the Operating Guidelines (Annex A) as well as the Terms of Use (Annex B) for the PM Adjustment Window (PAW) which will likewise be operational effective March 6, 2024. 2. As announced during the briefing held on March 4, 2024, PAW shall cover two (2) distinct features, namely: 2.1. The use of electronic Charge Slip, that is to effect adjustment of clearing discrepancies (to be issued by the Presenting Bank in case of under-encoding and to be issued by the Drawee Bank in case of over- encoding). The acceptance of the electronic Charge Slip to settle the discrepancy is by default, mandatory and requires no confirmation from the accepting party. Receiving banks however are given the ability to reject the electronic Charge Slip if the PAW transaction received bears erroneous or inaccurate detail/s. 2.2. Return of High Value Transaction. The facility also allows Drawee Banks to return dishonored clearing items transmitted during the regular clearing window (on or before the 4:30 PM CICS Cut-off) which could significantly impact on the DDA position of the banks. Return of dishonored items within the prescribed period is mandatory, hence acceptance of returns via PAW is required and the receiving Presenting Bank will not be given the option to reject the item being dishonored. 3. PAW adopts a new set of distinct billing factors: 3.1. Each PAW transaction will be billed Php200.00 unless otherwise increased or decreased by another issuance or directive. 3.2. PAW transaction fees are charged to the initiating party (the one sending the adjustment or return). The same holds true for over encoding where the Drawee Bank is the one initiating to correct an over encoding exception. Drawee Banks can recover such charge from the Php1,000.00 handling fee which it can collect from the Presenting Bank via Charge Slip pursuant to item 1.11 of CICS OM 17-011(Schedule of Bank-to-Bank Penalties/Charges). 4. As it is most ideal for all CICS participants to on board in the PAW platform, we strongly encourage everyone to submit their respective sign offs. As of date, we already have about 60% submission. 5. For the live implementation on March 6, 2024, participant banks who have already submitted their respective sign offs may already access the PAW platform via this URL: https://csp.pchc.com.ph. 6. This Operating Memo supersedes OM No. 20-035 dated October 9, 2020. 7. Please be guided accordingly.

March 5, 2024 T O : All Clearing Banks/Institutions R E : CLARIFICATION ON THE ADDITIONAL RETURN REASON CODE “w” (DRAWN AGAINST DORMANT ACCOUNT) 1. For the purpose of implementing the new policy on duplicate items, PCHC had to update the Return Reason Table in the PBM of participant banks. Primarily, the update was to provide the reason code (with corresponding description) that is to be indicated by the Drawee Bank in its manual return of verified duplicate items. 2. Thus, PCHC issued MC No. 3796 dated January 31, 2024 to inform the participant banks of the then impending new deployment on February 1, 2024. Included in the update of the Return Reason Table was the addition of the Return Reason Code “w” with the description “Drawn Against Dormant Account.” 3. As regards said Return Reason Code “w”, PCHC wishes to clarify that the said memo was not meant to instruct participant banks to return clearing items if they are issued against dormant accounts. As mentioned earlier, MC No. 3796 was only to apprise participant banks of changes in the Return Reason Table. 4. The additional return reason code “w” was included in the deployment for the purpose of making the reason “Drawn Against Dormant Account” available for use by participant banks in cases where dormancy of accounts has been agreed upon by them and their Current Account clients as a return reason for their Checks. 5. For information and guidance.

March 01, 2024 RE : All Clearing Banks/Institutions TO : 1. NEW CLEARING PARTICIPANTS/BRSTN REGISTER UPDATES 2. NOTICES FROM PARTICIPANT BANKS 1. With reference to various request letters/notices received from the clearing participant banks, we enumerate hereunder the following updates to the PCHC clearing participant banks/BRSTN Register and Operating Parameter, viz: 1.1 New Clearing Participants BANK/BRANCH BRSTN ADDRESS METRO-Congressional Avenue Extension 01026-453-5 Diamond Square Congressional Building, Lot 3, Block 2, along Congressional Avenue Extension corner Diamond Street, Tierra Pura 6 Homes, Barangay Pasong Tamo, Quezon City METRO-Ortigas-GLAS Tower 01026-454-8 Upper Ground Floor, Glas Tower, Topaz corner Opal corner Ruby Roads, Ortigas, Pasig City FCB-Mamburao, Occidental Mindoro 73078-002-7 Rizal St., Brgy. 3, Mamburao, Occidental Mindoro BDO NB-Maguindanao-Datu Odin Sinsuat 27118-004-7 Stalls 1-3, RAD Arcade 3 Bldg., Brgy. Awang, Datu Odin Sinsuat, Maguindanao del Norte CARD SME-Lapu Lapu City 02141-001-9 TTK Realty Building, Punta Rizal St., Poblacion, Lapu-Lapu City CARD SME-Toledo City 02141-003-5 D. Macapagal Highway, Poblacion, Toledo City Camalig Bank - Virac Office 16146-002-6 S. Surtida Cor., Quezon St., Virac Catanduanes 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01014-092-1 SBC Fort Bonifacio-Net Cube– Fort Bonifacio - Three/NEO – Taguig City G/F Three/NEO Bldg. 3rd Ave. cor. 30th St., E-Square Zone, Fort Bonifacio Global City, Taguig City 01053-225-4 BDO Sct Albano-Quezon A Quezon Avenue - Scout Albano – – Quezon City No. 1B, Quezon Avenue near corner Scout Albano, Brgy. Triangle, Quezon City 1.3. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective March 01, 2024. 2. Notices from participant banks: 2.1 Advisory from Land Bank of the Philippines (LBP) on UCPB (029) Checks In a letter dated February 15, 2024, Ms. Elizabeth Morano of Land Bank of the Philippines (LBP) informed that effective June 1, 2024, Land Bank shall no longer accept/honor checks bearing BRSTN of UCPB. Thus, acceptance of former UCPB checks shall only be until the regular session cut-off (4:30 PM) of May 31, 2024. Any former UCPB regular checks transmitted after the said cut-off will be rejected in CICS. However, former UCPB checks accepted on May 31, 2024 regular session but dishonored by LBP for technical and funding issues can still be returned and included in the AM Returns processing of June 3, 2024. 2.2 . Advisory from Citibank on CITI (007) Consumer Checks In a letter dated March 1, 2024, Ms. Gay Villoria of CITI informed that in line with the sale of Citi’s consumer business to Unionbank of the Philippines (UBP), Citi Philippines consumer checks bearing the following BRSTNs will only be honored by CITI until the 4:30 PM cut-off of March 22, 2024. BANK BRANCH NAME BRSTN CITIBANK - Greenhills 01007-002-0 CITIBANK - Makati (CSG) 01007-003-3 CITIBANK - Binondo 01007-004-6 CITIBANK - GCB - Alabang 01007-007-5 CITIBANK - GF - Alabang 01007-008-8 CITIBANK - Libis 01007-009-1 CITIBANK - Cebu 02007-002-3 3. For your information and guidance.

February 01, 2024 TO : All Clearing Banks/Institutions RE : NEW CLEARING PARTICIPANTS/BRSTN REGISTER UPDATES 1. With reference to various request letters/notices received from the clearing participant banks, we enumerate hereunder the following updates to the PCHC clearing participant banks/BRSTN Register and Operating Parameter, viz: 1.1 New Clearing Participants BANK/BRANCH BRSTN ADDRESS LBP-Loan Operations Management 01035-998-7 Department (LOMD) Landbank Plaza, 1598 MH Del Pilar corner Dr. J Quintos St., Malate Manila BDO NB - Benguet - Buguias 12118-004-5 G/F, Ambas Commercial Blg., Halsema Highway, Brgy. Abatan, Buguias, Benguet BDO NB - Batangas - Taysan 19118-009-1 GRANDJ's Bldg., Taysan - Rosario Road, Brgy. Poblacion East, Taysan, Batangas PSBC - Sta. Ignacia 22122-011-9 Poblacion West, Sta. Ignacia, Tarlac CARD SME - Cagayan De Oro City 10141-001-0 Pabayo-Cruz Taal Sts., Brgy. 9, Cagayan de Oro City 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 41035-002-3 LBP – Imus Imus City, Cavite Maliksi Building, Gen. Emilio Aguinaldo Highway, Barangay Tanzang Luma 1, Imus City, Cavite 14118-004-1 BDO NB–Quezon- Tayabas City, Quezon G/F, Commercial Bldg., Quezon Tayabas Ave. cor. Sumilang St., Brgy. Angustias Z-2, Tayabas, Quezon 1.3 Deletion of the following branches BANK BRANCH NAME BRSTN UNION - Gotesco - Commonwealth 01041-008-8 UNION - Ermita - Mabini 01041-055-4 UNION - Amorsolo - Dharmala 01041-084-2 UNION - Binondo 01041-093-6 UNION - New Divisoria Mall 01041-095-2 UNION - Baclaran - FB Harrison 01041-141-4 UNION - Bonifacio Global City 01041-143-0 1.4 Inclusion of the following branches in the list of BIR AABs BANK BRANCH NAME BRSTN LBP - Liloan 02035-031-6 2. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective February 01, 2024. 3. For your information and guidance.

January 31, 2024 T O        :              All Clearing Banks/Institutions R E        :              UPDATES TO THE RETURN REASON TABLE FOR CICS 1.      Relative to the implementation of the Revised Handling of Duplicate Items Detected in CICS starting February 05, 2024 whereby verified duplicates will have to be manually returned by the Drawee Bank to the Presenting Bank using Return Reason Code “S”; the following updates in the Return Reason Table which will also include other agreed revisions, shall become effective in time with the February 1, 2024 parameters update turnover, to wit: 1.1.    Revision of Return Reason Descriptions (in blue font/underlined) 1.1.1.     Return Reason Code (capital) “A” – Out-of-date/Invalid Date/Non-existent Date 1.1.2.     Return Reason Code (capital) “I” – Previously Negotiated Check/Paid Check 1.1.3.     Return Reason Code (capital) “S” – Duplicate Check Detected by CICS 1.2.    Additional Return Reason Code 1.2.1.     New Return Reason Code (small letter) “w” – Drawn Against Dormant Account 1.3.    Deletion of no longer applicable Return Reasons 1.3.1.     Return Reason Code (capital) “E” – Documentary Stamp Missing (for foreign checks converted to Peso) 1.3.2.     Return Reason Code (small letter) “r” – Amount in Words and Figures differ-1 Thousand Pesos and below (Return Code “D” which is used for amount above 1 Thousand already has Tran Code 24, which bears no Service Charge, so that Code “r” is not really needed) 2.      Attached is the updated Return Reason Table for your reference. 3.      For information and guidance.

January 25, 2024 T O        :              All Clearing Banks/Institutions R E        :              USER ACCEPTANCE TEST (UAT) EXERCISES IN PREPARATION FOR THE IMPLEMENTATION OF BSP CIRCULAR NO. 1180 (AMENDMENTS TO THE CHECK CLEARING AND SETTLEMENT REGULATIONS ) 1.      Relative to the Peso RTGS Advisory No. BPU-2024-004 that was released by BSP on January 12, 2024, please be informed that PCHC shall make available the CICS Backend Test  environment to all participant banks for the UAT exercises starting February 05, 2024 until February 29, 2024. 2.      The availability of the UAT platform shall allow participants to  perform test activities and identify any adjustments needed at their respective internal systems/operations. 3.      Within this UAT period, PCHC shall perform daily the CICS backend operations observing the 4:30 PM cut-off time for regular window, 4:31PM to 5:15PM for the PM Adjustment Window (PAW)  and 8:00 AM cut-off (next day)  for the AM Returns window. 4.      As requested by some participants, PCHC shall generate separate inward files (MTF) for the regular and returned transactions, which member banks can optionally use.  These new  files are in addition to the consolidated Regular & Return  MTF  the PCHC regularly provides after the 4:30PM CICS cut-off, to wit: 4.1.   Regular MTF – >                         Filename: YYYYMMDD-nnnPHP00-REG.MTF 4.2.   Return MTF  – >                          Filename: YYYYMMDD-nnnPHP00-RET.MTF where: YYYYMMDD  =    8-character date nnn  =    Bank Code 5.      UAT guidelines including the required UAT sign-off form shall be prepared by PCHC and emailed to all the member banks on or before the first day of the scheduled UAT exercise. 6.      Accomplished UAT sign-off forms must be submitted/sent to PCHC through philclear@pchc.com.ph on or before March 2, 2024. 7.       For further information or clarifications, please do not hesitate to contact any of the following officers: 8.      We trust everything would be in order.

PESONet MC No. 24-143 PDDTS MC No. 2024-99 PAS MC No. 2024-019 January 24, 2024 T O        :              All Clearing Banks/Institutions R E        :              NO CLEARING AND SETTLEMENT ON FEBRUARY 9, 2024 1.      With reference to Peso RTGS Advisory No. BPU-2024-006 dated January 24, 2024; PCHC clearing operations shall likewise be closed on February 9, 2024 in view of Proclamation No. 453 issued by Malacañang. 2.      Consequently, the processing cut-off for Morning Returns on February 9, 2024 with value date February 8, 2024 shall also be extended until 8:00 AM of February 12, 2024. 3.      Meanwhile, CICS and PESONet platforms shall remain accessible 24/7 to accept transmitted transactions for settlement on February 12, 2024 when PhilPaSSPlus resumes its business operations. 4.      PAS6 will remain open and accessible but other services such as PDDTS RTGS,/PvP and PDDTS-EOD shall be closed as well. 5.      Please be guided accordingly.