June 19, 2026 TO : All Clearing Participant Banks/Institutions RE : UPDATED HANDLING AND DISPOSITION OF DUPLICATE ITEMS 1. Purpose This Operating Memo clarifies the liability and recovery rules applicable to Duplicate Checks and Duplicate Payments under the Check Image Clearing System (CICS). 2. Governing Principle A fundamental principle in Check Clearing is that the Drawee Bank is responsible for determining whether a Check presented for payment is a duplicate. Accordingly, a Drawee Bank is expected to ensure that a Check drawn against it is paid only once. To support this responsibility, participant banks are expected to maintain appropriate controls and utilize the duplicate -detection tools and information made available through CICS. 3. Duplicate Detection Tools Available to Participant Banks To assist participant banks in detecting duplicate presentments, PCHC makes available the following tools: 3.1. CICS Duplicate Reports After the 4:30 PM cut -off, the following reports become available through the participant bank's Primary PBM: • Dup_Pre_YYYYMMDD__PHP_00.CSV • Dup_Rev_YYYYMMDD__PHP_00.CSV • Dup_Txns_Presented_Reg -.PDF • Dup_Txns_Received_Reg -.PDF These reports identify duplicate items detected within the prescribed monitoring period. 3.2. CICS Web Portal The CICS Web Portal enables participant banks to: • View outward clearing items successfully transmitted; • View inward clearing items received; • Inquire on suspected duplicate items; • Access up to one (1) year of clearing data; and • Search transactions in thirty (30) -day increments. 4. Summary of Liability Rules Scenario Liable Party Basis Recovery Method Check paid more than once due to failure Drawee Bank General Rule No recovery from of the Drawee Bank to detect duplicate Presenting Bank presentment Same Check presented multiple times Presenting Bank Breach of warranty under Reimbursement of through the same Presenting Bank Section 16.3.3 of the CICS RR second and subsequent payment(s) Duplicate payment involves a Counterfeit Presenting Bank Breach of warranties under Reimbursement of Check or Check with Alteration/s of the Counterfeit Sections 16.3.1 and 16.3.5 of the full amount of /Altered Check the CICS RR the Check Presenting Bank produces the relevant No liability Valid proof of presentment No Deposited/Original Check that complies reimbursement with applicable standards and contains no required alteration or authenticity irregularity Presenting Bank is unable to produce the Presenting Bank Failure to establish validity Reimbursement relevant Deposited/Original Check of presentment where applicable and/or penalties under this Memo Obvious Counterfeit and/or Visible Presenting Bank Section 20 of CICS RR. Recovery through Alteration -considered Technical Defect of the Counterfeit Return of Checks with Charge Slip under /Altered Check Technical Defects Section 20.4 of the CICS RR Non-obvious Counterfeit and/or No Visible Presenting Bank Counterfeit/Altered Check Recovery through Alteration of the Counterfeit provisions Transmittal Letter /Altered Check under Section 19 of the CICS RR Failure to produce Deposited/Original Presenting Bank Section 12 of CICS RR. Php1,000.00 Check within 180 days from Clearing Date Retention of Paid POC penalty payable to PCHC 5. Detailed Liability Rules 5.1. General Rule If a Check is paid more than once, the Drawee Bank shall bear the resulting loss and shall have no right to reimbursement from the Presenting Bank except in the circumstances expressly provided in this Memo. 5.2. Duplicate Presentment Through the Same Presenting Bank Where only one Presenting Bank is involved in the multiple presentment and payment of the same Check, the Presenting Bank shall reimburse the Drawee Bank for the amount of the second and subsequent payment(s). Such liability arises from the Presenting Bank's breach of warranty under Section 16.3.3 of the CICS Rules and Regulations , regardless of whether the paid Deposited/Original Check is turned over or not by the Presenting Bank to the Drawee Bank . 5.3. Counterfeit or Altered Checks Where a duplicate payment involves a Counterfeit Check or a Check with Alteration/s ("Counterfeit/Altered Check"), the Presenting Bank of the Counterfeit/Altered Check shall reimburse the Drawee Bank for the full amount of the Check. Such liability arises from the Presenting Bank's breach of warranties under Sections 16.3.1 and 16.3.5 of the CICS Rules and Regulations. 6. Determination of Liability for Duplicate Payments Involving Counterfeit or Altered Checks 6.1. No Liability of Presenting Bank A Presenting Bank shall have no liability where it is able to produce and deliver the relevant Deposited/Original Check and such Check: a. Complies with the applicable Check Design Standard and Specifications prescribed by PCHC; b. contains no alteration; and c. contains no irregularity affecting its authenticity 6.2. Liability of Presenting Bank A Presenting Bank shall be liable to reimburse the Drawee Bank where it: a. is unable to produce the relevant Deposited/Original Check; or b. produces a Check containing alteration or irregularity affecting authenticity. 7. Recovery Procedures 7.1. Duplicate Check is an Obvious Counterfeit and/or has Visible Alteration Where the Counterfeit/Altered Check is obvious on its face and/or contains visible alteration, the Drawee Bank may recover the amount by presenting a Charge Slip directly to the Presenting Bank pursuant to Section 20.4 of the CICS Rules and Regulations. For guidance on technical defects, please refer to OM No. 25 -054. 7.2. Duplicate Check is Non-Obvious Counterfeit and/or No Visible Alteration Where the Counterfeit/Altered Check is not obvious on its face and/or does not contain visible alteration, the Drawee Bank may recover the amount through a Transmittal Letter pursuant to Section 19 of the CICS Rules and Regulations. For guidance on special returns involving Counterfeit/Altered Checks, please refer to OM No. 25-055. 8. Failure to Produce Deposited/Original Check Without prejudice to any reimbursement obligation under this Memo or the CICS Rules and Regulations, a Presenting Bank that fails to produce the relevant Deposited/Original Check within one hundred eighty (180) days from Clearing Date upon request of the Drawee Bank shall be subject to a penalty of Php1,000.00 payable to PCHC. 9. Revocation OM No. 24-046 dated 5 June 2024 entitled "Handling and Disposition of Duplicate Items" is hereby revoked and superseded by this Operating Memo effective immediately. 10. Decision Support Platform To further reduce the risk of duplicate presentments, PCHC reminds participants of the availability of the Decision Support Platform. While use of the Platform remains mandatory for banks offering Mobile Deposit Facilities (MDF), OTC Presenting Banks are likewise encouraged to utilize the Platform as an additional control mechanism. 10.1. Features The Platform enables participant banks to verify whether: a. a Check has already been presented or negotiated through CICS; and/or b. the current presentment is a re -negotiated paid item or a duplicate presentment through another Presenting Bank. A successful search will display the relevant presentment history, including presentment dates and presenting bank details. 10.2. Access to the Platform Interested participant banks may coordinate with TCMG through helpdesk@pchc.com.ph to obtain API specifications or browser access credentials. 11. Effectivity This Operating Memo shall take effect immediately. Please be guided accordingly.

August 04 , 2026 T O : All Clearing Banks/Institutions R E : SUSPENSION OF BANKING OPERATIONS IN DAVAO AREA (CLEARING REGION 03) 1. We received a copy of Dabaw City Bankers Association, Inc. Resolution No. 202 6-006, suspending banking operations in their area in view of Proclamation No. 1372, declaring August 14, 2026 (Friday), as Special (Non - Working) Day in the City of Davao in celebration of Kadayawan Festival and the Indigenous Peoples’ Day. 2. As such, there will be no outward clearing operations in Davao City on said date, except for returned items, if any. 3. For information and guidance.

August 04, 2026 TO : All Clearing Participant Banks/Institutions RE : Implementing Guidelines Covering Section 6.3 of the CICS RR and Procedures for Unwinding in Case of a Participant’s Failure to Fund its Net Debit Settlement Position 1. Purpose This Memo prescribes the guidelines and procedures to be observed by PNPI and all clearing participants in the following circumstances : 1.1. PNPI receives a directive from the BSP to exclude a participating bank from clearing ; 1.2. PNPI receives a directive from the BSP to limit the value to be cleared or settled ; and 1.3. one or more participating banks have a net debit settlement position and insufficient funds in their respective Demand Deposit Accounts (DDAs) with the BSP to cover such position. 2. Directive to Exclude a Participating Bank from Clearing Upon receipt and confirmation of the BSP directive to exclude a participating bank from clearing , PNPI shall notify all clearing participants through SMS and email sent to their designated Liaison and/or Clearing Officers. The notification shall be subsequently formalized through a Memo Circular, which shall likewise be transmitted by email to all Liaison and/or Clearing Officers. The applicable procedure shall depend on the time the directive or notice is received, as follows: 2.1. Directive or notice received on or before the PM clearing cut-off: 2.1.1. The excluded bank shall immediately be prohibited from transmitting outward ICLs and from receiving inward ICLs from other banks through the Participant Bank Module (PBM). 2.1.2. All items transmitted to and received from the excluded bank prior to notification shall be excluded from the computation of clearing results. 2.1.3. PNPI shall furnish all banks with a detailed list of the transactions excluded from the clearing results , including the resulting impact, if any, on their respective settlement positions . 2.2. Directive or notice received after the PM clearing cut-off: 2.2.1. The excluded bank shall immediately be prohibited from transmitting outward ICLs and from receiving inward ICLs from other banks through the PBM. 2.2.2. PNPI shall initiate the unwinding process for all transactions involving the excluded bank and generate supplementary clearing results for submission to the BSP to reverse the transaction totals included in the day’s clearing results. 2.2.3. PNPI shall generate unwinding reports covering all affected transactions including transactions transmitted by the excluded bank and including transactions transmitted by other participating banks that are drawn against the excluded bank. 2.2.4. PNPI shall furnish the concerned banks with a detailed list of all affected transactions. 3. Directive to Limit the Value to be Cleared or Settled 3.1. Upon receipt of the BSP directive limiting the value that may be cleared or settled , PNPI shall notify the concerned bank of the amount available for settlement of its inward clearing items. 3.2. The concerned drawee bank shall identify the items to be returned in amount sufficient to cover the portion subject to unwinding . 3.3. The drawee bank shall return the identified items using Return Reason Code “t ”, in accordance with the applicable BSP instruction or directive. 3.4. If the concerned drawee bank fails to return the required items on or before 8:00 PM of the same clearing day , it shall be deemed to have forfeited its right to partial unwinding . Such failure shall constitute the bank’s consent and authority for P NPI to advise all drawee banks to return all items received from the concerned bank. 3.5. The partial unwinding shall be reflected in the AM Returns Window. 4. Failure of Participating Bank/s to Fund its Net Debit Settlement Position 4.1. If, based on the clearing summary submitted by PNPI to the BSP, a participating bank has a net debit settlement position and the available balance in its DDA with the BSP is insufficient to cover such position, a funding shortfall shall be deemed to exist. Consequently, posting of the settlement results shall not proceed. 4.2. Upon receipt of advice from the BSP regarding the funding shortfall, PNPI shall immediately notify and coordinate with the affected participating bank for the necessary funding action. PNPI shall likewise notify all clearing participants of the resulting delay in settlement for their information and guidance. 4.3. The affected participating bank shall be given a fifteen -minute (15 -minute) grace period from the applicable settlement cut -off time within which to fund its DDA with the BSP in an amount sufficient to cover the funding shortfall. 4.4. If the affected participating bank sufficiently funds its DDA within the prescribed grace period, PNPI shall resubmit the previously failed settlement results to the BSP for posting. If the funding shortfall remains unresolved upon expiration of the grace period, PNPI shall initiate the unwinding process for the incoming transactions of the affected participating bank. 4.5. Upon completion of the unwinding process and reversal of the affected transactions, PNPI shall generate revised settlement results for re-submission to the BSP. 4.6. PNPI shall furnish unwinding reports to all affected banks, including the unfunded drawee bank and the sender banks of the unwound items. 5. This Operating Memo supersedes OM No. 17-003 dated January 18, 2017. 6. Please be guided accordingly.

August 03, 2026 TO : All Clearing Banks/Institutions RE : NEW CLEARING PARTICIPANTS/BRSTN REGISTER UPDATES 1. With reference to various request letters and 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 SBC - Cebu-City Clou Central Mall 02014-024-1 GF 1-10, GF 1-11, City Clou Central Mall, Dionisio Jakosalem St. Barangay Zapatera, Cebu City SBC - loilo - Passi 08014-008-7 Richcor Building, Simeon Aguilar Street, Brgy. Poblacion Ilawod, Passi City, Iloilo SBC - Baguio - General Luna 12014-004-4 GF01, City Hub General Luna Road, Brgy. Upper General Luna, Baguio, Benguet LBP - Balangiga 77035-003-5 National Highway Road, Barangay 3, Balangiga, Eastern Samar BDO - Cubao - 20th Avenue 01053-718-1 G-01, G02 & M-01, One Lite Tower, 20th Avenue corner Mirasol Street, San Roque, Cubao, Quezon City BDO - Batangas - Diversion Road 19053-038-3 Unit G03 - G05, The Emporium, Diversion Rd., Sitio 6, Brgy. Balagtas, Batangas City 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01014-073-0 SBC – Sumulong Antipolo City G/F World Class Building, 251 Sumulong Highway, Brgy. Myamot, Antipolo City, Rizal 16028-001-6 RCBC Albay Tabaco 14035-003-4 LBP – Candelaria Candelaria, Quezon LANDBANK Building, Rizal Street, National Highway, Barangay Poblacion, Candelaria, Quezon 24035-001-5 LBP Gen Santos – General General Santos (Pioneer) - Ground Santos, South Cotabato Floor, Vensu Building, National Highway, Brgy. City Heights, General Santos City, South Cotabato 01049-993-1 USB Loans Accounting Loans Operations Department Department 01049-999-9 USB – Central Clearing Dept Quezon City 2nd Floor Unit 207 Bormaheco Condominium 1046 Metropolitan Ave., cor. Zapote St., Makati City 02123-006-6 Penbank Cebu - Downtown - V. Rama - Ground Floor Unit 2, Cebu City Astrip Commercial Center V. Rama Avenue, Brgy. Calamba, Cebu City 1.3 Inclusion of the following branches in the list of BIR AABs BANK BRANCH NAME BRSTN LBP - Pilar Branch Lite 16035-012-4 2. Pursuant to CICS Operating Memo No. 17-004 dated January 18, 2017, the aforementioned updates will be implemented effective 2. at 9:00 AM, August 03, 2026. 3. For your information and guidance.

July 30, 2026 TO : All Clearing Participant Banks/Institutions RE : TRANSITION OF CICS ADMINISTRATIVE REQUESTS TO PAYMENTS NETWORK OF THE PHILIPPINES, INC. (PNPI) 1. Purpose As part of the integration of the Philippine Clearing House Corporation (PCHC) and BancNet into the Payments Network of the Philippines, Inc. (PNPI) , this Memorandum is issued to advise all Clearing Participant Banks/Institutions that, effective immediately, all requests relating to CICS operations, report generation, maintenance of participant information, and requests for certified true copies of cl earing items shall henceforth be addressed to Payments Network of the Philippines, Inc. (PNPI). This Memorandum also consolidates the procedures and standard request forms to be used for such requests. 2. Requests Affecting CICS Operations Participant Banks may submit requests relating to, among others: • inclusion of new BRSTNs; • deletion or inactivation of BRSTNs; • change of branch name and/or address; • change of bank president or authorized officials; • data capture requirements; • other changes affecting CICS processing parameters ; and • registration of newly accredited Authorized Agent Banks for BIR/BOC. Such requests shall continue to be subject to the existing implementation schedules, cut-off dates, applicable fees, and other operational requirements. For this purpose, Participant Banks shall use the attached Annex "A" – Pro Forma Request for Updates to CICS Processing Parameters. 3. Requests for Certified True Copies of Clearing Items Participant Banks requesting certified true copies of clearing items shall continue to comply with the existing documentary requirements, applicable fees, retention period, and processing procedures. To facilitate processing, all requests shall be submitted using the attached Annex "B" – Request Form for Certified True Copy of Clearing Items. 4. Submission of Requests All requests covered by this Memorandum shall be addressed to: Payments Network of the Philippines, Inc. (PNPI) 19/F Equitable Bank Tower 8751 Paseo de Roxas Bel-Air, Makati City or through the appropriate official PNPI channels, including the Service Helpdesk, where applicable. 5. Continuing Applicability of Existing Procedures Except for the transition of administrative requests to PNPI and the adoption of the attached standardized request forms, the operational requirements, implementation schedules, processing guidelines, documentary requirements and applicable fees set forth in Annex C shall govern all requests covered by this Memo until otherwise amended by PNPI. 6. This Memorandum supersedes CICS OM No. 17-004 entitled "Requests Affecting CICS Operations and Reports Generation" and CICS OM No. 20-034 entitled "Photocopy Requests of Clearing Items." Accordingly, all administrative requests covered by the said Memoranda shall henceforth be governed by this Memorandum, including its Annexes "A," "B," and "C." 7. Effectivity This Memorandum shall take effect immediately. Please be guided accordingly.

PESONet MC No. 26 -208 PDDTS MC No. 2026 -134 PAS MC No. 2026 -045 July 29, 2026 T O : All Clearing Banks/Institutions R E : UPDATED GUIDELINES ON THE DESIGNATION OF LIAISON AND OTHER AUTHORIZED OFFICERS To ensure the continued accuracy of the Payments Network of the Philippines, Inc.'s (PNPI) records of authorized representatives for operational coordination, system administration, official communications, and other functions relating to the payment syste ms operated by PNPI, all participants are hereby requested to review, confirm, update, and/or submit the designation of their authorized officers using the applicable annexes attached to this Memorandum Circular. 1. Submission of Designations Participants shall accomplish and submit only the annexes applicable to the payment systems in which they participate, as follows: Annex A – CICS – Designation of Liaison and Other Authorized Officers Annex B – PESONet – Participant Information Sheet Annex C – PDDTS – Participant Information Sheet Annex D – PAS6 – Designation of Liaison Officers and System Administrators Annex E – Designation of Authorized Officers for Information Technology (IT) Concerns Completed annexes shall supersede previously submitted designations for the corresponding payment system. 2. Authorized Officers The Institution President /CEO or the immediate supervising officer of the designated personnel (self-designation shall not be permitted) shall designate the authorized officers applicable to each payment system. Depending on the applicable payment system, the designated officers shall perform the following roles: • Liaison Officer – serves as the institution's official representative in its operational dealings with PNPI; • Alternate Liaison Officer – acts on behalf of the Liaison Officer whenever the latter is unavailable; • Clearing Officer – handles matters relating to clearing operations under CICS; • Institution/Bank Administrator – administers system access, user administration, and other system administration functions applicable to the relevant payment system; • Authorized Signatory – signs requests, certifications, authorizations, and other official documents submitted to PNPI; • Authorized Email Recipient – receives official advisories, circulars, maintenance notices, incident notifications, and other operational communications issued by PNPI. The applicable authorized roles for each payment system are summarized below: Payment System Applicable Authorized Officers CICS Liaison Officer, Alternate Liaison Officer, Clearing Officer, Bank Administrator, Authorized Signatory, Authorized Email Recipient PESONet Liaison Officer, Alternate Liaison Officer, Institution Administrator, Authorized Email Recipient PDDTS Liaison Officer, Alternate Liaison Officer, Bank Administrator, Authorized Email Recipient PAS6 Liaison Officer, Alternate Liaison Officer, System Administrator, Authorized Email Recipient IT Concerns Authorized IT Officers 3. PNPI Registry of Authorized Officers PNPI shall maintain a centralized registry of designated officers for purposes including, but not limited to: • operational coordination; • incident management; • business continuity activities; • cybersecurity notifications; • system administration; • official communications; and • other matters relating to the operation of the payment systems administered by PNPI. 4. Sharing of Contact Information To facilitate inter -participant operational coordination, PNPI may, upon request, provide participating institutions with the official landline telephone numbers and email addresses of designated Liaison Officers and other authorized officers. Mobile numbers shall be used exclusively by PNPI for official communications, including SMS broadcasts and emergency notifications, and shall not be disclosed to other participants unless expressly authorized by the concerned institution. 5. Continuing Obligation to Update Records Participants shall ensure that the information submitted under the applicable annexes remains accurate, complete, and current. Any change in designated officers or their contact information shall be reported to PNPI by submitting the applicable updated annex within five (5) business days from the effectivity of such change. 6. Effectivity This Memorandum Circular shall take effect immediately and shall remain in force until amended or revoked by PNPI. 7. Repealing Clause All previous memoranda, circulars, advisories, or portions thereof relating to the designation of Liaison Officers, Clearing Officers, System Administrators, Authorized Signatories, and other authorized representatives that are inconsistent with this Memorandum Circular are hereby repealed, amended, or modified accordingly. 8. For strict compliance.

July 24, 2026 T O : All Clearing Banks/Institutions R E : REMINDER ON HIGH -VALUE RETURNS AND DISCREPANCY ADJUSTMENTS VIA THE PM ADJUSTMENT WINDOW (PAW) SYSTEM 1. We wish to remind all participating banks that the final DDA balances maintained with the BSP are reflected only after the 5:30 PM settlement, when BSP simultaneously posts the net settlement results from the following settlement systems: 1.1. PESONet Cycle 3 1.2. CICS Forward and PM Returns 1.3. PM Adjustment Window (PAW) 2. As provided in CICS Operating Memorandum (OM) No. 24-043 dated March 5, 2024, a clearing participant may initiate transactions through the PM Adjustment Window System (PAWS) after the 4:30 PM cut-off to return high- value CICS items and/or process adjustments to correct material discrepancies in check amounts. Such transactions, when initiated, are processed using an electronic Charge Slip and do not form part of the regular CICS reports generated by the Backend System or made available through the Participant Bank Module (PBM). To ensure that the affected banks are promptly informed, the initiating institution shall immediately notify its counterparty by email of any high-value return and/or discrepancy adjustment processed through PAWS. This applies to the Presenting Bank in the case of returns and to the Receiving Bank of the electronic Charge Slip in the case of discrepancy adjustments. 3. Accordingly, after settlement, all participants are reminded to review the separate PAW reports to identify any high-value CICS return and/or discrepancy adjustments that require corresponding debit or credit entries to their clients’ accounts. 4. On the part of PNPI, recognizing that PAW transactions do not occur on a regular daily basis, PCHC Service Operations shall indicate in its after-cut-off email advisory 19/F Equitable Bank Tower, 8751 Paseo de Roxas, Bel-Air, City of Makati whether any PAW transactions were processed and shall identify the affected institutions for easy reference. 5. Please be guided accordingly.

July 16, 2026 TO : All Clearing Banks/Institutions RE : NEW CLEARING PARTICIPANTS/BRSTN REGISTER UPDATES 1. With reference to various letters and 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 NAME BRSTN ADDRESS CBC-SM City La Union 15010-003-8 SM City La Union, Diversion Road, Brgy. Biday, San Fernando City, La Union CBC-SM City Laoag 17010-003-4 SM City Laoag, Laoag City, Ilocos Norte RCBC-The Yuchengco Centre 01028-259-1 Unit G01, The Yuchengco Centre, 333 Sen. Gil Puyat Avenue, Bel-air 1209, Makati City LBP-Narra (Palawan) 35035-003-1 Blk. 59, Barangay Poblacion, Narra, Palawan BDO-Quezon-Pagbilao 14053-014-2 Lot 90, Washington St., Castillo, Pagbilao, Quezon BDO-Dumaguete-Caindagan 20053-006-6 Negros Junction, South Road St., Calindagan, Dumaguete City, Negros Oriental 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 02008-015-2 PNB Cebu-Banawa-Cebu City Cebu-Guadalupe-799 M. Velez St., Capitol Site, Guadalupe, Cebu City 01027-034-1 UOB-Salcedo Village Makati City Level 36, Tower 1, The Enterprise Center 6766 Ayala Avenue corner Paseo de Roxas Avenue, Makati City, Philippines 1200 01033-001-6 PVB Head Office-Makati City Ayala Main Office-SSS Building, Ayala Avenue, Corner V.A. Rufino, Makati City 01033-027-8 PVB-Pasay Pasay City Ushio Shopping Center, Arnaiz corner F.B. Harrison, Pasay City 01035-071-1 LBP-Caloocan Grace Caloocan City SF12, Upper Ground Floor, Ziti Park Center Commercial, 9th avenue, Caloocan City 13053-050-5 BDO Nueva Ecija Primark Gapan- Waltermart-Gapan-G/F, Nueva Ecija Waltermart Gapan, Maharlika National Highway, Brgy. Bayanihan, Gapan City, Nueva Ecija 57053-001-3 BDP Agusan del Sur-SFO Gaisano- Agusan del Sur-San Francisco- Agusan del Sur 1st Flr., Roperos Bldg., San Francisco-Barobo Road, Purok 2, Barangay 4, San Francisco, Agusan del Sur 26118-001-5 BDO NB Isabela Savemore Santiago A Isabela Savemore Santiago 02123-005-3 PENBANK Cebu-Punta Princesa-Cebu City Banilad-RD Corporate Bldg., 96 Gov. Cuenco Ave., Banilad, Cebu City 1.3 Inclusion of the following branches in the list of BIR AABs BANK BRANC NAME BRSTN BRANCH NAME BRSTN METRO - MARIKINA 010260063 METRO - QUIAPO 010260092 METRO - STA CRUZ-MANILA 010260115 METRO - LAS PINAS-ALABANG-ZAPO 010260157 METRO - ALABANG 010260160 METRO - KALENTONG-MANDALUYONG 010260173 METRO - RETIRO 010260186 METRO - SHAW BOULEVARD 010260199 METRO - QUEZON AVE CORDILLERA 010260209 METRO - BACLARAN 010260212 METRO - YLAYA-TONDO 010260238 METRO - BALINTAWAK 010260283 METRO - SAN LORENZO 010260296 METRO - KATIPUNAN 010260306 METRO - GT TOWER CENTER 010260319 METRO - TIMOG 010260335 METRO - ERMITA 010260348 METRO - N DOMINGO-SAN JUAN 010260364 METRO - SANTOLAN-PASIG 010260380 METRO - NAVOTAS 010260403 METRO - CUBAO-P TUAZON 010260416 METRO - NOVALICHES 010260429 METRO - MASANGKAY 010260461 METRO - KAMIAS 010260490 METRO - ESPANA 010260568 METRO - LEGASPI VILLAGE-MAKATI 010260571 METRO - WEST TRIANGLE 010260607 METRO - EVANGELISTA-QUIAPO 010260610 METRO - SALCEDO VILLAGE 010260681 METRO - BONI AVENUE 010260694 METRO - MASANGKAY-MAYHALIGUE 010260717 METRO - BLUE RIDGE 010260733 METRO - ROOSEVELT 010260775 METRO - MASINAG MARCOS HIGHWAY 010260788 METRO - SUCAT-GATCHALIAN 010260827 METRO - ESCOLTA 010260830 METRO - PASONG TAMO-BUENDIA 010260856 METRO - ADB 010260908 METRO - DEL MONTE 010260924 METRO - NAIA 010260937 METRO - BAGBAGUIN-VALENZUELA 010260940 METRO - PASONG TAMO-JAVIER ST 010260982 METRO - AYALA AVENUE-BANKMER 010260995 METRO - BONI SERRANO 010261101 METRO - CHINA PLAZA 010261127 METRO - EDSA-CONGRESSIONAL 010261169 METRO - ASUNCION (CHINA STEEL) 010261172 METRO - WEST AVENUE 010261185 METRO - VALLE VERDE 010261198 METRO - STA ANA 010261211 METRO - V LUNA-EAST AVENUE 010261224 METRO - A MACEDA 010261282 METRO - RAON 010261305 METRO - BRIXTON HILL 010261318 METRO - SAMSON RD-KALOOKAN 010261321 METRO - MOTHER IGNACIA 010261347 METRO - CONCEPCION-MARIKINA 010261350 METRO - BUENDIA-DIAN 010261363 METRO - TUGATOG-MALABON 010261392 METRO - KAMUNING 010261402 METRO - EDSA-CORINTHIAN 010261431 METRO - FARMERS PLAZA 010261444 METRO - NEW MANILA 010261457 METRO - ONGPIN 010261499 METRO - PACIFIC CAPITAL TOWERS 010261509 METRO - SHAW BLVD-ORANBO 010261512 METRO - WACK WACK 010261525 METRO - HV DE LA COSTA 010261554 METRO - SUCAT-IRENEVILLE 010261567 METRO - TAYTAY 010261583 METRO - E RODRIGUEZ 010261606 METRO - REINA REGENTE 010261622 METRO - ALFARO 010261635 METRO - PASAY-ROTONDA 010261648 METRO - PASIG ROSARIO 010261651 METRO - LIBERTAD-MANDALUYONG 010261664 METRO - MCARTHUR HIWAY-MALINTA 010261680 METRO - ORTIGAS EXT-CAINTA 010261693 METRO - DAPITAN-BANAWE 010261716 METRO - EDSA-MAGALLANES 010261732 METRO - PUREZA-MAGSAYSAY BLVD 010261787 METRO - PASONG TAMO-METROPOLIT 010261800 METRO - AURORA BLVD-ANONAS 010261813 METRO - SHAW-PINAGTIPUNAN 010261826 METRO - SAN MATEO 010261839 METRO - FELIX AVENUE 010261842 METRO - PASONG TAMO-BAGTIKAN 010261855 METRO - ADDITION HILLS 010261868 METRO - PASEO DE ROXAS 010261871 METRO - FB HARRISON 010261897 METRO - V MAPA 010261907 METRO - RIZAL AVE-3RD AVE 010261910 METRO - BACLARAN MILENYO 010261923 METRO - KALAYAAN-BEL AIR 010261936 METRO - RADA-RODRIGUEZ 010261949 METRO - AGUIRRE-SORIA 010261965 METRO - CAMARIN ROAD-CALOOCAN 010261978 METRO - CALUMPANG-MARIKINA 010261981 METRO - SAN ROQUE-MARIKINA 010261994 METRO - FORT-SOUTH MARKET 010262003 METRO - TANDANG SORA 010262016 METRO - 20TH AVENUE-CUBAO 010262029 METRO - DON ANTONIO HEIGHTS 010262032 METRO - CONGRESSIONAL AVENUE 010262045 METRO - M NAVAL-NAVOTAS 010262058 METRO - PEREA-GALLARDO 010262074 METRO - ARCA SOUTH MANTA CORPORATE PLAZA 010262087 METRO - VALENCIA HILLS 010262090 METRO - ORTIGAS-XAVIER 010262100 METRO - BINANGONAN 010262113 METRO - SIKATUNA VILL-ANONAS 010262126 METRO - T MAPUA-LOPE DE VEGA 010262139 METRO - MUNTINLUPA 010262142 METRO - POTRERO-MALABON 010262155 METRO - BAESA 010262168 METRO - SUCAT-SAN ANTONIO VALL 010262171 METRO - ERODRIGUEZ-CORDILLERA 010262197 METRO - VASRA-VISAYAS AVENUE 010262207 METRO - GEN LUIS-NOVALICHES 010262210 METRO - PARANG-MARIKINA 010262236 METRO - PASO DE BLAS-MAYSAN RD 010262249 METRO - ANGONO 010262252 METRO - SAN JOAQUIN-PASIG 010262265 METRO - KARUHATAN-VALENZUELA 010262362 METRO - PASAY-BUENDIA AVENUE 010262388 METRO - BENAVIDEZ 010262391 METRO - CONCEPCION-MALABON 010262401 METRO - CUBAO 010262414 METRO - GREENHILLS-NORTH 010262427 METRO - EDSA-MUNOZ MARKET 010262456 METRO - ROCES AVENUE 010262469 METRO - BUSTILLOS-SAMPALOC 010262472 METRO - MALANDAY-VALENZUELA 010262485 METRO - EAST SERVICE-BICUTAN 010262508 METRO - ORTIGAS-SAN MIGUEL AVE 010262566 METRO - ORTIGAS-EMERALD AVENUE 010262595 METRO - FILINVEST CORP CITY 010262605 METRO - MAKATI-ROCKWELL CENTER 010262621 METRO - MARIKINA-TANONG 010262647 METRO - LACSON-SAMPALOC 010262650 METRO - MINDANAO AVENUE 010262663 METRO - SUMULONG FATIMA 010262692 METRO - FORT-BGC 010262702 METRO - WEST SERVICE-ALABANG 010262715 METRO - MADRIGAL BUSINESS PARK 010262728 METRO - KAMAGONG-SAMPALOC 010262731 METRO - A MABINI-C-3 010262744 METRO - EASTWOOD CITY 010262757 METRO - CIRCUMFERENTIAL-ANTIPO 010262760 METRO - EL GRANDE-BF HOMES 010262773 METRO - PLAZA LORENZO RUIZ 010262786 METRO - EXAMINER-QUEZON AVE 010262812 METRO - DASMARINAS-T PINPIN 010262825 METRO - RETIRO-KANLAON 010262854 METRO - TORDESILLAS-GIL PUYAT 010262867 METRO - LAS PINAS-BF RESORT 010262883 METRO - SAN AGUSTIN-DELA COSTA 010262896 METRO - ORTIGAS SAPPHIRE 010262906 METRO - DELA ROSA-SALCEDO 010262919 METRO - G ARANETA AVENUE 010262948 METRO - JUPITER-BEL AIR 010262951 METRO - SHAW BLVD-JM ESCRIVA 010262964 METRO - SAN LORENZO 010262993 METRO - PASONG TAMO EXTN 010263002 METRO - ORTIGAS-TAIPAN 010263028 METRO - SKYLAND PLAZA 010263044 METRO - ACACIA-AYALA ALABANG 010263060 METRO - D TUAZON-DEL MONTE 010263154 METRO - GREENHILLS-EISENHOWER 010263183 METRO - DON BOSCO 010263219 METRO - PASIG ESTANCIA MALL 010263251 METRO - ROXAS BLVD-VITO CRUZ 010263280 METRO - MERVILLE-WEST SERV RD 010263316 METRO - MAGALLANES VILLAGE 010263329 METRO - MAYON-STA TERESITA 010263332 METRO - RUFINO 010263345 METRO - STO NINO-MARIKINA 010263484 METRO - METROPOLITAN PARK-ROXA 010263510 METRO - MAYSILO CIRCLE-MAND 010263523 METRO - XAVIERVILLE 010263578 METRO - AYALA TRIANGLE 010263934 METRO - THE FORT-MARAJO TOWER 010263947 METRO - EDSA-POEA 010263950 METRO - GREENHILLS-PROMENADE 010263963 METRO - MCKINLEY HILL TAGUIG 010263976 METRO - PASAY-BACLARAN 010263989 METRO - TAGUIG PUREGOLD 010264014 METRO - FORT BURGOS CIRCLE 010264027 METRO - FORT-UPTOWN 010264069 METRO - FORT-BAYANI ROAD 010264085 METRO - FORT-TFT 010264098 METRO - MARIKINA-LILAC 010264111 METRO - FORT-SEIBU TOWER 010264124 METRO - FOR ECOPRIME TOWER 010264182 METRO - FORT FINANCE CENTER 010264195 METRO - FORT GRAND HYATT 010264399 METRO - ANTIPOLO IMALL 010264425 METRO - FORT MILESTONE 5TH AVENUE 010264454 METRO - RIZAL RODRIGUEZ 010264483 METRO - FORT MK TAN 010264522 METRO - CEBU-MABOLO 020260066 METRO - CEBU-LEON KILAT 020260121 METRO - CEBU-MAGALLANES 020260134 METRO - CEBU-BANILAD 020260147 METRO - CEBU-RAMOS 020260150 METRO - CEBU-SUBANGDAKU 020260163 METRO - CEBU-MANALILI 020260176 METRO - CEBU-CAPITOL 020260192 METRO - CEBU-MAMBALING 020260202 METRO - CEBU-GUADALUPE 020260231 METRO - CEBU-BORROMEO 020260244 METRO - CEBU-OPON 020260286 METRO - CEBU IT PARK 020260299 METRO - CEBU MINGLANILLA 020260309 METRO - CEBU-MACTAN MEPZ 020260370 METRO - CEBU A S FORTUNA OAKRIDGE 020260383 METRO - CEBU-CONSOLACION 020260396 METRO - CEBU-MEPZ II 020260419 METRO - CEBU PARKMALL 020260435 METRO - CEBU-TOLEDO 020260448 METRO - CEBU-SRP TALISAY 020260480 METRO - CEBU BALAMBAN 020260493 METRO - BACOLOD-ARANETA 040260017 METRO - BACOLOD-GONZAGA 040260046 METRO - LIBERTAD-BACOLOD 040260059 METRO - SILAY NEGROS OCC 040260062 METRO - BACOLOD-GATUSLAO 040260075 METRO - BACOLOD-EASTSIDE 040260088 METRO - BACOLOD-LACSON 040260091 METRO - BACOLOD-SHOPPING 040260101 METRO - BACOLOD-NORTH DRIVE 040260114 METRO - BACOLOD-MANDALAGAN 040260127 METRO - DAGUPAN-FERNANDEZ AVE 050260052 METRO - URDANETA-NANCAYASAN 050260104 METRO - CALASIAO PANGASINAN 050260117 METRO - ANGELES STO ROSARIO 060260071 METRO - ANGELES-BALIBAGO 060260107 METRO - CLARK 060260110 METRO - ANGELES-MCARTHUR HIWAY 060260165 METRO - ANGELES-STO DOMINGO 060260181 METRO - ILOILO-DELGADO 080260019 METRO - ILOILO-IZNART 080260035 METRO - ILOILO-GEN LUNA 080260064 METRO - ILOILO-GAISANO 080260077 METRO - ILOILO OTON 080260103 METRO - TACLOBAN-VETERANOS 110260028 METRO - TACLOBAN-RIZAL AVENUE 110260031 METRO - BALAGTAS 130260040 METRO - CABANATUAN-MAHARLIKA 130260053 METRO - MEYCAUAYAN-MCARTHUR 130260079 METRO - STA MARIA-BULACAN 130260095 METRO - MALOLOS-PASEO DEL CONG 130260105 METRO - PLARIDEL BULACAN 130260118 METRO - GUIGUINTO-BULACAN 130260121 METRO - CABANATUAN-SOUTH 130260147 METRO - BOCAUE-BULACAN 130260150 METRO - STA MARIA-BAGBAGUIN 130260231 METRO - MEYCAUAYAN IBA 130260244 METRO - MALOLOS-MCARTHUR H-WAY 130260257 METRO - LUCENA-QUEZON 140260030 METRO - LUCENA-RED V 140260043 METRO - AGOO LA UNION 150260020 METRO - SEVILLA MONUMENTO 150260046 METRO - BALAYAN BATANGAS 190260035 METRO - BATANGAS-TANAUAN JP LAUREL 190260048 METRO - LEMERY BATANGAS 190260051 METRO - ROSARIO-BATANGAS 190260080 METRO - LIPA-AYALA 190260103 METRO - BATANGAS-NASUBGU 190260116 METRO - STO TOMAS-BATANGAS 190260132 METRO - BATANGAS-CALICANTO 190260158 METRO - LIPA 190260161 METRO - CAUAYAN-MAIN 260260017 METRO - SOLANO 260260046 METRO - SANTIAGO-BONIFACIO AVE 260260059 METRO - CAUAYAN-MAHARLIKA 260260075 METRO - ROXAS ISABELA 260260088 METRO - SUBIC-BARACA 280260039 METRO - BORACAY ISLAND AKLAN 290260029 METRO - CATICLAN 290260045 METRO - STA CRUZ-LAGUNA 310260035 METRO - STA ROSA-BALIBAGO 310260064 METRO - CARMONA-CAVITE 310260077 METRO - CABUYAO LAGUNA 310260080 METRO - CARMONA-BINAN HIGHWAY 310260093 METRO - CALAMBA-REAL 310260103 METRO - CALAMBA-PARIAN 310260116 METRO - LAGUNA BEL-AIR-STA RO 310260132 METRO - CALAMBA MARKET 310260158 METRO - LOS BANOS 310260174 METRO - MACARIA BUSS CENTER 310260190 METRO - PASEO DE SANTA ROSA 310260200 METRO - LAGUNA TECHNOPARK BINA 310260213 METRO - CANLUBANG-CARMELRAY 310260239 METRO - CALAMBA-CARMELRAY 310260242 METRO - TAGBILARAN-COGON 330260028 METRO - ROXAS ARNALDO 340260021 METRO - CALAPAN 380260010 METRO - IMUS-CAVITE 410260032 METRO - TAGAYTAY 410260058 METRO - DASMARINAS (CAVITE) 410260074 METRO - SILANG-CAVITE 410260090 METRO - AGUINALDO-IMUS 410260100 METRO - NAIC-CAVITE 410260113 METRO - GENERAL TRIAS-CAVITE 410260126 METRO - TRECE MARTIREZ-CAVITE 410260139 METRO - MOLINO-BACOOR CAVITE 410260142 METRO - TANZA CAVITE 410260171 2. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective at 9:00 AM, July 16, 2026. 3. For your information and guidance.

June 30, 2026 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 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 - Pasig - Mercedes Ave. 01026-469-0 GF & 2F MK Building, 628 Mercedes Avenue, Barangay San Miguel, Pasig City BDO NB - Davao del Sur - Magsaysay 03118-049-4 G/F, Unit 1, HTLS Bldg., Quezon St., Purok 8, Brgy. Poblacion, Magsaysay, Davao del Sur BDO NB - Leyte - Jaro 11118-011-0 G/F, Doors 1 -2, Chrissean Hardware Bldg., Real St., Brgy. IV, Jaro, Leyte BDO NB - General Santos - San Isidro 24118-013-2 G/F, Units 1 - 3, Commercial Bldg., Mabuhay Road, Brgy. San Isidro, General Santos City BDO NB - Leyte - Bato 39118-009-5 G/F, Commercial Bldg., Jose Rizal St., National Highway, Brgy. Iniguihan, Bato, Leyte PSBC - Sta. Ana 06122-007-8 Ground Floor, RCBV13 Commercial Building, National Highway, Brgy. San Juan, Sta. Ana, Pampanga TBPI - Bacolod City Business Center 04145-001-7 G/F Vision Square Building, 21st Street corner San Agustin Drive, Brgy. 5, Bacolod City 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 02004-014-7 BPI Cebu - Banilad – Cebu Cebu A.S. Fortuna Astra Centre – Astra Centre AS Fortuna St., Banilad Mandaue City, Cebu 6014 06004-028-8 BPI BPI Exp San Fernando - Lubao Gapan 26004-008-8 BPI – Ilagan Isabela Ilagan, Isabela National Highway, Calamagui 2nd, Ilagan, Isabela 01035-068-5 LBP – Binangonan Binangonan, Rizal Rose Bldg. National Road Cor. Ynares Street II, Barangay Calumpang, Binangonan, Rizal 01059-004-7 DBP Commonwealth Avenue Visayas Avenue – G/F NFA Building, – Quezon City Visayas Ave., Brgy. Vasra, Q.C. 01059-005-0 DBP – Muntinlupa Muntinlupa City Dona Amparo Building, No. 34 National Highway, Barangay Putatan, Muntinlupa City 06059-003-9 DBP – Clark Pampanga Our Lady of Mount Carmel Medical Center, Ninoy Aquino Ave., Clark Freeport Zone, Pampanga 1.3 Deletion of the following branches BANK BRANCH NAME BRSTN BDO NB - Panabo Maharlika 03118-009-6 BDO NB - Davao - Matina 03118-028-7 1.4 Inclusion of the following branches in the list of BIR AABs BANK BRANCH NAME BRSTN LBP - Davao - Palma Gil 03035-018-6 2. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective 2. at 9:00 AM, July 01, 2026. 3. For your information and guidance.

June 23, 2026 TO : All Clearing Banks/Institutions - PCHC's CICS-FES Subscribers RE : Deferred Implementation - Activation of Maker-Checker Functionality 1. Please be informed that activation of the Maker-Checker feature of PCHC's CICS-FES application, originally scheduled for July 1, 2026, has been deferred until further notice. The deferment is intended to align with the forthcoming major application upgrade, thereby ensuring seamless integration, minimizing potential service disruptions and providing participants with sufficient time to complete necessary readiness activities. The upcoming application upgrade from Release 6 (Version 6.22.x) to Release 8 (Version 8.0.1) is intended to: 2.1 Strengthen Security: Address system vulnerabilities and security findings identified during recent third- party Vulnerability Assessment and Penetration Testing (VAPT) activities; and 2.2 Enhance Operational Readiness: Provide participating institutions additional time to review, align and implement the internal processes and controls to support the Maker-Checker functionality. 3. PCHC shall issue a subsequent advisory announcing the implementation date of the Maker-Checker functionality upon completion of the following: 3.1 Successful implementation of the Release 8 application upgrade; 3.2 Completion of the User Acceptance Testing (UAT); and 3.3 Submission of UAT Signoffs of all the participants. 4. Until further notice, all users are advised to continue with their existing transaction processing workflows and procedures. For information and guidance.