February 14, 2022 T O : All Clearing Banks/Institutions R E : MERGER OF UNITED COCONUT PLANTERS BANK WITH LAND BANK OF THE PHILIPPINES 1. In a letter dated February 10, 2022, Land Bank of the Philippines (LBP) informed of its merger with United Coconut Planters Bank (UCPB), with LBP as the surviving entity effective March 1, 2022, pursuant to Executive Order no. 142 signed by President Rodrigo R. Duterte on June 25, 2021. 2. Changes in processes affecting UCPB Clearing Operations will be announced once additional information would become available. 3. For your guidance.

February 8, 2022 T O : All PESONet Participants R E : AVAILABILITY OF INWARD TRANSACTIONS 1. Please be advised that inward transactions shall be made available for viewing/download even before settlement in PhilPaSS+ starting Friday, February 11, 2022. 2. The PESONet Front-End allows viewing of up to 10,000 transactions through the Daily Consolidated page. In the event an RFI receives more than 10,000 transactions, these are viewable only through the PESONet Enhanced Interface File and corresponding Inward Report. 3. Please take note that the ‘Unstatused Transactions’ page is not intended for viewing of Inward Transactions as this page displays up to 1,000 transactions only. The page is intended to validate if an RFI may have missed to provide status for some transactions and should be used only AFTER the RFI has uploaded and authorized its status update file. 4. Transactions downloaded prior to settlement are NOT FINAL and it is the participant’s responsibility to validate against the settlement results posted in PhilPaSS+. 5. Participants using the PESONet Front-End should compare transactions they downloaded via the EIF, Inward Report, or API versus their actual DDA3 settlement entries to determine if there are transactions that need to be excluded from processing. 6. If there is a discrepancy between the DDA3 settlement entry and the downloaded file, it means that the RFI has received transactions from OFIs whose transactions were eventually abolished due to a failure in funding of the OFI of their DDA3 account. 7. In the event a participants’ transactions are abolished due to a failure of DDA3 funding, PCHC shall not issue any advisory and banks are advised to attempt to download updated inward files from the PESONet Front-End. These files are updated shortly after settlement is completed. 8. Participants are likewise advised to ensure correctness of their inward transactions vs. their DDA3 settlement entries in PhilPaSS+ prior to crediting beneficiary accounts. PCHC shall not be responsible for any transactions, which due to inadvertence or oversight, are credited by RFIs even if the concerned transactions are subsequently abolished for being unfunded. 9. Meanwhile, participants using API will be able to determine the status of the cycle via the cycle_status field of the Index Endpoint: Cycle Status Description OPEN Cycle is still open CLOSED Cycle has closed FINAL Cycle has closed and settlement has been completed 10. Please be guided accordingly.

February 02, 2022 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 BPI - PIONEER CENTRE 01004-482-3 Compound of Pioneer Center Supermart, 8006 Pioneer St., cor. Brixton and United Streets, Brgy. Kapitolyo, Pasig City BPI - CTU - CEB 01004-997-0 Tellering & Operations Center, 8F BPI Cebu Corporate Center Bldg., Archbishop Reyes Avenue, Cebu City BPI - CTU - INT 01004-998-3 Tellering & Operations Center, 3F BPI Bldg., Muralla St., Intramuros, Manila RCBC - RIZAL AVE. GOGON 01028-982-4 Stall 21 VTC Riverside Bldg., Virac Town Center, Rizal Avenue, SIRANGAN BC Gogon Sirangan, Virac, Catanduanes RCBC - RIZAL ST. - TALISAY 16028-005-8 LYK Property Holdings Bldg., Rizal Street, Talisay, Sorsogon City BDO - PASIG - THE VANTAGE 01053-695-9 The Vantage at Kapitolyo, 50 West Capitol Drive corner KAPITOLYO United St., Brgy. Kapitolyo, Pasig City EAST WEST - PERSONAL LOANS 01062-993-4 2nd Floor, 5th Ave. cor. 23rd Street Bonifacio Global City, Taguig EAST WEST - UNSECURED 01062-994-7 2nd Floor, 5th Ave. cor. 23rd Street Bonifacio Global City, LOANS COLLECTIONS Taguig EAST WEST - CORPORATE 01062-995-0 6th Floor, 5th Ave. cor. 23rd Street Bonifacio Global City, BANKING GROUP Taguig 1.2. Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 03004-022-1 BPI – Davao - Ateneo Finster Hall Bldg., Ateneo De Lot 40A CM Recto Avenue, Davao University - Jacinto Barangay 34-D, Poblacion Campus, Roxas Ave., Davao City District, Davao City 8000 01010-012-3 CBC – SM Mall of Asia G/F Main Mall Arcade, SM Mall 3/F Main Mall Building, of Asia, Bay Blvd., Pasay City SM Mall of Asia, Bay Blvd., Pasay City 03010-005-1 CBC – Tagum 153 Pioneer St., Tagum, Davao del Davao Central Warehouse Norte Club, Inc. Building, Magugpo East, Lower Apokon, Tagum City, Davao del Norte 18035-002-3 LBP Marawi City – Pacasum Square Bldg., Marawi – Amai Pakpak Quezon, Marawi City, Lanao Del National Road, Brgy. Biaba , Norte Damag Marawi City, Lanao Del Sur 01053-123-9 BDO Paseo De Roxas 2 – 8737 Paseo De Salcedo Center – G/F, Shell Roxas, Makati City House, 156 Valero St., Bel- Air, Makati District 1, Makati City 1227 01102-016-3 Asia United – Ayala G/F Casa Vicente Bldg., GF BMW G/F 1210 Acacia Avenue, Alabang Center, Commerce Ave., Ayala - Madrigal Business Park, Alabang, Muntinlupa City Alabang, Muntinlupa City 2. Pursuant to C ICS OM N o. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective February 02, 2022. 3. For your information and guidance.

We are pleased to announce the participation of Malayan Savings Bank, Inc. in the PDDTS RTGS/PVP effective July 1, 2021. Malayan Bank’s Business Identifier Code (BIC) is MAARPHM1XXX. Previously, the following banks joined PDDTS: First Commercial Bank, Ltd. (FCBKPHMMXXX) - October 30, 2020 Sumitomo Mitsui Banking Corporation (SMBCPHMMXXX) - December 22, 2015 Industrial Bank of Korea (IBKOPHMMXXX) - December 01, 2015 Shinhan Bank (SHBKPHMMXXX) - October 21, 2015

January 31, 2022 T O : All PESONet Participants R E : CYCLE 1 RESULTS FOR JANUARY 31, 2022 1. Please be advised that the first set of PESONet Clearing results posted in the DDA3 accounts of the participants for the first cycle for today, 31 January 2022, were verified to be incorrect. 2. A reversal entry was transmitted to PhilPaSS with the correct clearing results submitted anew for posting to the DDA3 accounts. 3. Please be guided accordingly.

January 27, 2022 TO : All PESONet Participants RE : DEFUNDING OF DDA3 EFFECTIVE JANUARY 27, 2022 1. We are advised by the Payments and Settlements Department (PSD) of the Bangko Sentral ng Pilipinas (BSP) that the defunding from DDA3 to RDDA will be accepted up to 5:45 PM effective today, January 27, 2022. 2. Participants are encouraged to perform defund instructions using the PESONet Front-End ahead of the prescribed 5:45 PM cut-off time to ensure acceptance. 3. Please be guided accordingly.

Sign up now to have access to Rules and Regulations, Operating Memos and the latest Memo Circulars. Registration is exclusive to PCHC Participant Banks and Institutions, for your registration to be approved, please register your official bank/institution e-mail address. To register, Click on "Log In" at the Home Page. When Log In Page opens, Click on "Sign up" next to the phrase, "New to this site?". Fill out the form completely and submit. Have your registration endorsed by your bank/institution's Liaison Officer for quick approval. NOTE: This website is intended for Members/Participant Banks and NOT FOR INDIVIDUALS or BANK CLIENTS availing payments via PESONet or PAYGATE. BANK CLIENTS having issues/concerns on their payments/fund transfers made via PESONet or PAYGATE, may inquire status of such payment/transfer from their Depository Bank. PESONet requires the Receiving Bank/Institution to update the Sender Bank/Institution of the STATUS of each transfer received (whether such was credited to beneficiary account or returned).

January 24, 2022 T O : All PESONet Participants R E : DEFUNDING OF DDA3 ACCOUNTS 1. We are advised by the Payments and Settlements Department (PSD) of the Bangko Sentral ng Pilipinas (BSP) that the defunding from DDA3 accounts to RDDA accounts will be accepted up to 4:45 PM effective tomorrow 25 January 2022. 2. Participants are encouraged to perform their defund instructions using the PESONet Front-End ahead of the prescribed 4:45 PM cut-off time to ensure acceptance. 3. Any change in the stated time will be announced as soon as we receive new advice from the BSP PSD. 4. Please be guided accordingly.

January 17, 2022 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 - BONNY SERRANO WEST CRAME 01053-694-6 G/F, Skylights Center, No. 314 Col. Bonny Serrano Avenue corner 2nd West Crame, Brgy. West Crame, San Juan City BDO - CAMARINES SUR - GOA 07053-015-7 Ground Floor, RCO Building, Rizal Street, Barangay Panday, Goa, Camarines Sur BDO NB - CEBU - MOALBOAL 02118-007-7 G/F, Gaisano Grand Mall, Santander - Barili - Toledo Road, Poblacion East, Moalboal, Cebu BDO NB - DAVAO - MA-A 03118-040-7 G/F, Door 3, ESL Bldg., Ma-a Road, Brgy. Ma-a, Davao City BDO NB - PANGASINAN - UMINGAN 05118-006-3 NLO Bldg., Mabini St., Brgy. Poblacion East, Umingan, Pangasinan BDO NB - CAGAYAN DE ORO - KAUSWAGAN 10118-004-9 G/F, R.V. Pelaez Blvd. Brgy. Bayabas, Kauswagan, Cagayan de Oro City BDO NB - LEYTE - ALANG - ALANG 11118-004-2 G/F, Commercial Strips, 61, 62 and 63, J & F Alang-alang Branch, Real St., Brgy. Mudburon , Alang-alang, Leyte BDO NB - BULACAN - PAOMBONG 13118-019-0 San Jacinto St., Sto Nino, Paombong, Bulacan BDO NB - NEGROS ORIENTAL - GUIHULNGAN 20118-003-3 JYD Commercial Bldg., M. Perez St., Poblacion, Guihulngan City, Negros Oriental BDO NB - ISABELA -SAVEMORE ECHAGUE 26118-009-9 Savemore, Primark - Echague, Atip St., Silauan Sur, Echague, Isabela BDO NB - NUEVA VIZCAYA - BAGABAG 26118-011-2 National Highway corner Gen. Malvar, Poblacion, Bagabag, Nueva Vizcaya BDO NB - BOHOL - TALIBON 33118-003-9 Zion Bldg., Carlos P. Garcia Ave., Pob., Talibon, Bohol BDO NB - BUKIDNON -MANOLO FORTICH 51118-005-3 G/F, Tan Bldg., Sayre Highway, Tankulan, Manolo Fortich, Bukidnon 1.2. Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01033-014-2 PVB Alta Vista – Alta Vista, Katipunan, Taytay – GF, Manila East Quezon City Arcade 2 (MEA2) Bldg., Don Hilario Cruz Avenue, Brgy. San Juan, Taytay, Rizal 25118-001-2 BDO NB – Misamis Ozamiz City, Misamis Occidental G/F, Chuan Seng Bldg., Occidental-Ozamiz Burgos corner Gomez St., Ozamiz City, Misamis Occidental 26118-004-4 BDO NB – Isabela - Alicia Brgy. Antonio, Alicia, Isabela G/F, KAV Building, Maharlika Highway corner Angadanan- Alicia Road, Magsaysay, Alicia, Isabela 2. Pursuant to C ICS OM N o. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective January 17, 2022. 3. For your information and guidance.

January 20, 2022 TO: All PESONet Participants RE: AVAILABILITY OF PESONet MBS AND DDA3 ACCOUNTS 1. The Payments and Settlements Department of the Bangko Sentral ng Pilipinas, in their PhilPaSS Advisory No. BPU-2022-005, issued on 19 January 2022 has confirmed that the DDA3 accounts of PESONet participants will be activated on 21 January 2022. 2. In view of this Advisory, PESONet participants are encouraged to fund their DDA3 accounts on 21 January 2022 in preparation for the first settlement of the PESONet MBS on 24 January 2022 at 10:00am. Funding should be sufficient to cover all outgoing PESONet transactions to ensure that transactions will not be cancelled due to lack of funds. 3. To allow participants to perform any Production Verification Tests (viz, "penny test") as desired, PCHC shall enable Treasurer and Treasurer Authorizer users to login to PESONet via https://treasury-pesonetmbs.pchc.com.ph on 21 January 2022. 4. The PESONet Frant-End at https://pesonetmbs.pchc.com.ph will also be open for any participants that may need to perform additional activities prior to 22 January 2022. 5. Should a participant perform any testing, participants are reminded that any funding or defunding instruction sent on 21 January 2022 will be processed against participants' actual DDA3 balance with the BSP. 6. Participants are requested not to send any outward PESONet transactions via the PESONet MBS before 22 January 2022 at 8:00am. Any transactions received prior to time will be deleted. 7. We look forward to your understanding , readiness and participation.