March 3, 2023 T O : All PESONet Participant Banks/Institutions R E : PARTICIPATION OF GPAY NETWORK PH, INC. 1. We are pleased to announce the participation of GPay Network Ph, Inc. (GrabPay) in the Phil. EFT System Operation Network (PESONet) effective March 9, 2023. 2. The business address of GrabPay is as follows: 12/F Grab Office, Wilcon IT Hub 2251 Chino Roces Avenue, 1200 Makati City 3. It has an assigned BRSTN 01818-001-9 and will use BIC “GHPESGSGXXX”. 4. GrabPay successfully completed the required User Acceptance Test (UAT) on the use of PESONet Web Service API and has likewise submitted Sign-Off to be included in production. 5. Kindly include the said EMI in your respective PESONet participants’ directory and we request that you disseminate to all your respective branches/offices. 6. Please be guided accordingly.

March 3, 2023 T O : All PDDTS Participant Banks/Institutions R E : TERMINATION OF UCPB’S PARTICIPATION IN THE PDDTS RTGS/PvP AND PDDTS END-OF-DAY NETTING 1. Pursuant to Citibank’s advice pertaining to the request of Land Bank of the Philippines (LBP) to close the USD Demand Deposit Account of United Coconut Planters Bank (UCPB) effective February 27, 2023, please be informed that the participation of UCPB in the PDDTS RTGS/PvP and PDDTS End-of-Day Netting Operations, was likewise terminated in PCHC effective March 2, 2023. 2. In view of the foregoing, kindly delete UCPB from your respective PDDTS RTGS/PvP and PDDTS End-Of-Day participant directories. BANKNAME BANK CODE BIC United Coconut Planters Bank 029 UCPBPHMMXXX 3. Please be guided accordingly.

February 23, 2023 T O : All Clearing Banks/Institutions R E : NO CLEARING AND SETTLEMENT ON FEBRUARY 24, 2023 1. Corollary to PhilPaSS Advisory No. BPU-2023-005 dated Feb 23, 2023, please be informed that PCHC offices will likewise be closed on February 24, 2023 and will resume clearing operations on Monday, February 27, 2023. 2. As CICS and PESONet platforms are open 24/7, both shall remain open to accept transmitted transactions for settlement on February 27, 2023. All other systems shall be closed. 3. Morning returns cut-off of CICS transactions processed on February 23, 2023 will be extended until 8:00 AM of February 27, 2023. 4. CICS transactions already received today for February 24, 2023 settlement, prior to the tagging of holiday, will be processed separately, for value date February 27, 2023. As such there will be two (2) clearing files for February 27, 2023. 5. Please be guided accordingly.

February 16, 2023 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 - CAMARINES SUR - BATO 07118-009-8 G/F, Saysay Brothers Inc. Bldg., Poblacion, Bato, Camarines Sur GM BANK - ALCALA 05154-001-4 #2 Carmen Alcala Road, Washington St., Alcala, Pangasinan 2425 GM BANK - LINGAYEN 05154-002-7 Gulf Knights Building, Avenida Rizal East, Poblacion, Lingayen, Pangasinan 2401 GM BANK - MALASIQUI 05154-003-0 R. Magsaysay St., Malasiqui, Pangasinan 2421 GM BANK - MANAOAG 05154-004-3 #46 Rizal St., JABR Bldg., Manaoag, Pangasinan 2430 GM BANK - MANGALDAN 05154-005-6 JL De Guzman St., Poblacion, Mangaldan, Pangasinan 2432 GM BANK - POZORRUBIO 05154-006-9 Rizal St., Poblacion, Pozorrubio, Pangasinan 2435 GM BANK - BUGALLON 05154-007-2 #151 C.P. Romulo Highway, Bugallon, Pangasinan 2416 GM BANK - ANGELES 06154-001-7 Stalls A and B MGM Bldg., Magalang Road, Sto. Cristo Angeles City, Pampanga 2009 GM BANK - STA. ANA 06154-002-0 Sta Lucia, Sta Ana, Pampanga 2022 GM BANK - LIMAY 06154-003-3 #372 National Road Townsite Limay, Bataan 2103 GM BANK - LUBAO 06154-004-6 CP Romulo St. Sta. Cruz Lubao, Pampanga 2005 GM BANK - BALANGA 06154-005-9 #604 General Capinpin Brgy. San Jose Balanga, Bataan 2100 GM BANK - PORAC 06154-006-2 Gen. Luna St. Babo Sacan Porac, Pampanga 2008 GM BANK - BONGABON 13154-003-1 Brgy. Sinipit, Bongabon, Nueva Ecija 3128 GM BANK - CABANATUAN 13154-004-4 Brgy. General Luna, Maharlika Highway, Cabanatuan City, Nueva Ecija 3100 GM BANK - MARIA AURORA 13154-006-0 J.D. Mar Building, Manuel L. Quezon St., Barangay 4, Maria Aurora, Aurora 3202 GM BANK - CUYAPO 13154-007-3 #2 Quezon Avenue, Cuyapo, Nueva Ecija 3117 GM BANK - GUIMBA 13154-010-9 #8 Bagain St., Guimba, Nueva Ecija 3115 GM BANK - LICAB 13154-011-2 Brgy. Poblacion Sur, Licab, Nueva Ecija 3112 GM BANK - LLANERA 13154-012-5 Brgy. Victoria, Llanera, Nueva Ecija 3126 GM BANK - LUPAO 13154-013-8 Poblacion North, Lupao, Nueva Ecija 3122 GM BANK - MUNOZ 13154-014-1 T. Delos Santos St., Science City of Munoz, Nueva Ecija 3119 GM BANK - PALAYAN 13154-015-4 Brgy. Caballero, Palayan City, Nueva Ecija 3132 GM BANK - RIZAL 13154-017-0 Aglipay Street, Poblacion Sur, Rizal, Nueva Ecija 3127 GM BANK - SAN JOSE CITY 13154-020-6 Reg Mel Bldg., Bonifacio St., San Jose City, Nueva Ecija 3121 GM BANK - STA. ROSA 13154-022-2 Maharlika Highway, Brgy. Cojuangco, Sta. Rosa, Nueva Ecija 3101 GM BANK - STO. DOMINGO 13154-023-5 Sandico St., Brgy. Hulo, Sto. Domingo, Nueva Ecija 3133 GM BANK - TALAVERA 13154-024-8 Marcos District, Maharlika Hi-way, Talavera, Nueva Ecija 3114 GM BANK - ZARAGOZA 13154-025-1 Brgy. Del Pilar (E), Zaragoza, Nueva Ecija 3110 GM BANK- CONCEPCION 22154-001-9 Klarence Plaza Bldg., Mabini cor. La Purisima Streets Brgy. San Nicolas, Concepcion, Tarlac 2316 GM BANK - GERONA 22154-002-2 Poblacion 2, Gerona, Tarlac 2302 GM BANK - TARLAC CITY 22154-003-5 M.H. Del Pilar St. Sto. Cristo, Tarlac City 2300 GM BANK - BAMBANG 26154-001-1 Saddul Bldg., Banggot, Bambang, Nueva Vizcaya 3702 GM BANK - SOLANO 26154-002-4 #36 Benigno Aquino Avenue, Solano, Nueva Vizcaya 3709 GM BANK - IBA 28154-001-7 Zone 2, Rizal St., Corner Arbico St., Iba, Zambales 2201 GM BANK - CASTILLEJOS 28154-002-0 Brgy. San Juan, Castillejos, Zambales 2208 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01035-196-9 LBP BSP Servicing Unit BSP - Manila 13053-029-1 BDO Bulacan - San Jose Del Monte – Bulacan - EB Town Center San National Highway, Tungkong Jose Del Monte – Unit 5, G/F, Mangga, SJDM, Bulacan EB Town Center, Brgy. Graceville, San Jose Del Monte City, Bulacan 51121-001-7 BMI – Valencia G Unit No. 2, 1924 Fortich St., Ground Floor, AMQ Building, Sayre Lavina Ave., Brgy. Poblacion, Hiway, Poblacion, Valencia City, Valencia City, Bukidnon Bukidnon 2. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective February 16, 2023. 3. For your information and guidance.

February 10, 2023 TO : All Payment Application Secure (PAS) Participating Banks/Institutions RE : INCREASE IN PAS TRANSACTION FEE 1. We wish to inform that the PCHC Board in its meeting of 07 December 2022 approved the recommendation of Management to raise the processing fee for the usage of the PAS6 facility from Php10.00 to Php15.00 per transaction. 2. The minimal increase in fees was justified by the need to migrate the current legacy system to a more stable and secured web-based environment resulting to a faster, more secured and reliable system which will offer multi channels where participants can connect. 3. There will be no change however in the enrollment fees and in minimum endpoint fee per bank/branch, to wit: Participation in Payment Application Secure (in Php) Transaction Processing Fee: Enrollment 50.00/item Advance 15.00/item Final 15.00/item Minimum Endpoint Fee: Per Branch 200.00 Per Bank 500.00 One-time Non-refundable Entry /Connectivity Fee (for New Participants) 100,000.00 Processing fee will be computed by multiplying the number of items with the appropriate rate OR minimum endpoint fee per Branch/Bank Level whichever is higher. Please take note that above quoted prices are exclusive of 12% VAT. 4. The revised set of fees which now include a one-time non-refundable entry/connectivity fee for new bank/financial institution participants will be effective March 1, 2023. 5. Please be guided accordingly.

February 06, 2023 T O : All Clearing Banks/Institutions R E : CHANGE IN CORPORATE NAME – METRO SOUTH COOPERATIVE BANK 1. In an email request of Ms. Christelle Marie B. Mercado, Marketing Specialist of Metro South Cooperative Bank, dated January 10, 2023, we are informed of the bank’s new name, to wit: “ONE COOPERATIVE BANK (One CB)” 2. The change in name was approved by the Bangko Sentral ng Pilipinas (BSP) pursuant to the new Certificate of Authority dated January 25, 2023. 3. The new corporate name of the bank will be included in the PCHC parameter file update effective February 16, 2023. 4. For information and guidance.

February 01, 2023 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 BPI -Dela Rosa -Paseo 01004-509-7 109 Paseo de Roxas corner Dela Rosa St., Barangay San Lorenzo, Makati City 1200 BPI -Mortgage Banking Dept. 01004-551-8 5F BPI Family Savings Bank Center, Paseo De Roxas Corner Dela Rosa, Makati City BPI -Bukidnon Maramag 51004-002-6 Bgy. Anahawon, Maramag, Bukidnon BPI -Surigao Tandag 59004-001-7 Prince Hypermart Market Site Tandag, Poblacion Tandag City, Surigao Del Sur 8300 CBS -Navotas 01112-110-1 FP Commercial Bldg., No. 855 M. Naval St., Brgy. Sipac - Almacen, Navotas City BDO NB -Camarines Sur -Milaor 07118-008-5 G/F, Units 1 & 2, Poon Realty Bldg., National Highway, San Jose, Milaor, Camarines Sur BDO NB -Cavite -Alfonso 41118-004-3 G/F, Balani Bldg., Mabini St., Poblacion II, Alfonso, Cavite GM Bank -Head Office 13154-001-5 Brgy. General Luna, Maharlika Highway, Cabanatuan City, Nueva Ecija 3100 GM Bank -Baliuag 13154-002-8 Benigno Aquino Ave., Hermosura Bldg., Bagong Nayon, Baliuag, Bulacan 3006 GM Bank -Cabiao 13154-005-7 San Juan North, Cabiao, Nueva Ecija 3107 GM Bank -Gapan 13154-008-6 J.C. Ramirez Building, Barangay San Vicente Bucana, Gapan 3105 GM Bank -Gen. Tinio 13154-009-9 Bonifacio St., Poblacion Central, Gen. Tinio, Nueva Ecija 3104 GM Bank -Penaranda 13154-016-7 Railroad St., Poblacion 1, Peñaranda, Nueva Ecija 3103 GM Bank -San Antonio 13154-018-3 Liena St., Poblacion, San Antonio, Nueva Ecija 3108 GM Bank -San Isidro 13154-019-6 Poblacion, San Isidro, Nueva Ecija 3106 GM Bank -San Miguel 13154-021-9 Pineda St., San Jose, San Miguel, Bulacan 3011 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01010-050-5 CBC – Fairview `G/F Angelenix House, Fairview Pearl Drive Commercial Ave. cor. Camaro St., Quezon City Center, Commonwealth Ave. corner Pearl Street, Quezon City 01011-039-1 PBCom – F1 BGC G/F with Mezzanine, F1 Hotel Bldg., G/F Menarco Tower, 32nd Lane Q cor. Lane A Rds., BGC, Taguig Street, Bonifacio Global City, Taguig City 1.3 Deletion of the following branches BANK BRANCH NAME BRSTN QUEEN CITY -Antique 69023-001-5 CBS -Quezon Blvd. 01112-092-4 1.4 Inclusion of the following branches in the list of BIR AABs BANK BRANCH NAME BRSTN LBP -Davao -Palma Gil 03035-018-6 LBP -Bacolod San Juan 04035-013-4 LBP -Tayabas 14035-013-1 LBP -Tarlac -Mc Arthur Highway 22035-008-0 2. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective February 01, 2023. 3. For your information and guidance.

January 25, 2023 T O : All PESONet Participating Institutions R E : PESONET AND PAYGATE INITIATIVES FOR 2023 1. We are pleased to announce that PCHC shall be conducting an online technology forum on 02 February 2023 (Thursday) at 10:00 AM to present initiatives in PESONet and the PCHC PayGate platforms. 2. Invited and strongly encouraged to attend this tech forum are representatives from the participants’ Business Units (preferably from online banking/retail channels), Operations and Information Technology Group/Departments. 3. In the said forum, we will introduce PESONet 2.0, the evolution of the current PESONet application. PESONet 2.0 aims to offer a more secured, responsive and robust clearing platform that will support the PESONet ACH’s initiatives as well as complement compliance with latest regulatory issuances. 4. PCHC shall publish PESONet 2.0 API specifications and will support the MQ API (Message Queue API) interface to provide improved service levels in PESONet. 5. On the other hand, the PCHC PayGate will also introduce the PayGate App and the PayGate Checkout modules. These 2 features are the latest additions to the PCHC PayGate ecosystem that will afford banks the flexibility and ability to exchange information relating to payments between merchant/government agency and customers using PESONet as the settlement platform. 6. The PCHC PayGate App, for instance, provides for a downloadable App that customers can use to authorize payments using their accounts held at participating PESONet institutions as Issuing banks. The PCHC PayGate Checkout, on the other hand, allows banks to onboard merchants with eCommerce facilities into the PCHC PayGate ecosystem. 7. To participate and see how banks can best leverage on these initiatives, you may send the names of your participants with their respective email addresses (2 pax from each unit mentioned above) to Ms. Monet Paguirigan at monetpaguirigan@pchc.com.ph no later than end of day January 31, 2023. 8. We hope to see all participating banks/institutions represented.

January 26, 2023 T O : All Clearing Banks/Institutions R E : CICS PARTICIPATION OF GM BANK OF LUZON, INC. 1. We are pleased to announce the inclusion of GM Bank of Luzon, Inc. (A Rural Bank) in the nationwide Check Image Clearing System (CICS) operations as a Clearing Subscriber effective February 1, 2023. 2. In the letter dated January 26, 2023 of its SVP/Head of Treasury & Asset Management Group, Ms. Chona Y. Co, we are informed that the following pilot branches of GM Bank will commence participation, to wit: BRSTN Branch Name Participation Date 13154-001-5 GM BANK OF LUZON, INC. – HEAD OFFICE February 1, 2023 13154-002-8 GM BANK OF LUZON, INC. – BALIUAG BRANCH February 1, 2023 13154-005-7 GM BANK OF LUZON, INC. – CABIAO BRANCH February 1, 2023 13154-008-6 GM BANK OF LUZON, INC. – GAPAN BRANCH February 1, 2023 13154-009-9 GM BANK OF LUZON, INC. – GEN. TINIO BRANCH February 1, 2023 13154-016-7 GM BANK OF LUZON, INC. – PEÑARANDA BRANCH February 1, 2023 13154-018-3 GM BANK OF LUZON, INC. – SAN ANTONIO BRANCH February 1, 2023 13154-019-6 GM BANK OF LUZON, INC. – SAN ISIDRO BRANCH February 1, 2023 13154-021-9 GM BANK OF LUZON, INC. – SAN MIGUEL BRANCH February 1, 2023 3. GM Bank’s Head Office is located at Brgy. General Luna, Maharlika Highway, Cabanatuan City, Nueva Ecija. 4. Kindly disseminate to all your branches/offices and update as well your respective BRSTN Register accordingly.

January 25, 2023 T O : All Member/Participant Banks R E : IMPLEMENTATION OF THE NEW CHECK DESIGN STANDARDS 1. As recommended by the Clearing Officers Club, Inc. and approved by the PCHC Board, we wish to inform that the implementation of the New Check Design Standards and Specifications is deferred to May 1, 2024. 2. To recall PCHC’s first Circular on the new Check Design Standards issued on February 11, 2019 (CICS Operating Memo No. 19-030), the changes introduced are as follows: 2.1. Standard Issue Date Format adopted is MM-DD-YYYY 2.2. Date Format guide is indicated below the date line 2.3. Individual box is provided for each character of the Issue Date 2.4. Peso Sign is moved out of the box (Amount in Figures) 2.5. Boxed white spaces for writing the date of issue, amount in figures, and signature of Issuer /Drawer (as illustrated in the picture below) 3. The foregoing changes are intended to: 3.a. set a standard or uniform format of writing the date on checks in order to avoid misinterpretation of date of issue; and 3.b. enhance check processing capabilities by providing banks better optical character recognition features that are needed for an automated check verification system. 4. This deferment in implementation is effected with a view to allowing more time for bank clients to exhaust remaining checks or base stocks of printed Checks in their possession. In this connection, we suggest for the clearing banks/participants to inform their clients that - 4.a. old format checks (i.e., without boxes) with date of issue written in alphanumeric are acceptable for clearing provided they are dated April 30, 2024 or earlier and they are presented for deposit prior to the 180th day from issue date; 4.b. the issue date in alphanumeric on old format checks may be written in any sequence, i.e., Month-Day-Year or Day-Month-Year or Year-Month-Day. However, alphanumeric Month-Day-Year sequence is preferable for consistency with the MM-DD-YYYY sequence prescribed for issue date in numeric format." 4.c. notwithstanding the deferment, nonetheless, the date of issue on checks that are in the “new format” (i.e., with boxed spaces) has to be written now in numeric format and strictly in the MM-DD-YYYY or MM/DD/YYYY sequence. 4. Clearing banks/participants are likewise enjoined to remind their respective clients about the new Check design standards and the purpose of the changes being implemented. 5. This Operating Memo is effective immediately and supersedes OM No. 21-036 issued April 16, 2021. 6. Please be guided accordingly.