July 26, 2021 TO : All PESONet Participant Banks/Institutions RE : PARTICIPATION OF MONEY MALL RURAL BANK, INC. 1. We are pleased to announce the participation of Money Mall Rural Bank, Inc. in the Phil. EFT System Operation Network (PESONet) ACH effective August 2, 2021. 2. Money Mall Rural Bank, has an assigned BRSTN 03156-001-4 and will use its BIC: MOMLPHM2XXX. 3. The bank has completed its User Acceptance Testing on the use of PESONet Front-end Application and submitted sign-off after successfully completing heartbeat test. 4. Please include the said bank in your respective PESONet participants’ directory and disseminate to your respective branches/offices. 5. For information and guidance.

July 23, 2021 TO : All Clearing Banks/Institutions R E : SURVEY RESULTS ON UTILIZATION OF CHECK INVENTORY SYSTEM (CIS) AND/OR PAID-CHECK DATABASE (PCD) 1. Relative to Memo Circular No. 3656 dated May 26, 2021, we wish to inform you the results of Subject Survey, to wit: Number of Banks System/s In Place Percentage Surveyed to Total 52 CIS and PCD 62.66 5 CIS only 6.02 4 PCD only 4.82 9 No CIS/ No PCD; with own duplication-detection system 10.84 13 Unknown - no response yet 15.66 ------------- ------------------ Total - 83 100.00 ====== ========= 2. To recall, we conducted this survey primarily to determine the extent of the Clearing Participants’ utilization of check-duplicate detection tools in line with PCHC’s appeal in its Memo Circular No. 3514 dated 19 February 2019 enjoining banks to enhance their risk management systems on check payments. 3. As Check payments through CICS are essentially based on trust amongst the Clearing Participants, it is essential for each participant to build necessary layers of control to mitigate attempts to defraud the banks’ clearing system. 4. PCHC shall again conduct another survey after 6 months and hopefully by then, everyone shall have already a CIS or PCD built in place. 5. We look forward to everyone’s cooperation.

July 22, 2021 TO : All Clearing Banks/Institutions RE : PKI CERTIFICATES RENEWAL – ICL FILE ENCRYPTION & SIGNING IN CICS 1. Please be informed that most of the issued PKI certificates used for signing and encryption of the Image Cash Letter (ICL) files in the Check Image Clearing System (CICS) before transmission are nearing its respective expiration periods. Note that there are three (3) certificates maintained in the system, namely: 1.1. PCHC Certificate (Public Key of Clearing House Encryption Certificate) 1.2. Bank Certificate for Signing 1.3. Bank Certificate for Encryption 2. We highly enjoin all participant banks to check the expiration dates of the installed Encryption and Signing certificates (Items 1.2. and 1.3) in all their PBM Servers and generate new ones if necessary. The renewal process can be accomplished at any time following the procedures for the generation of new keys that will be made available for download and will supersede Section 8.11 – Certificate Enrolment of the PBM Installation Guide. 3. Meanwhile, the existing PCHC Certificate that was generated and installed in the respective PBM severs of the banks is scheduled to expire on August 26, 2021. 4. As such, PCHC shall generate a new PCHC Certificate with a five (5)-year validity period to replace the existing one and shall be distributed to all the banks. The new certificate shall be made available for download together with other documents for the installation, generation of new keys and a video reference on Monday, July 26, 2021. This will be communicated directly to the respective email addresses of the authorized Banks’ Liaison Officers. 5. The installation of the new PCHC Certificate must be done by PCHC and the banks ALL AT THE SAME TIME in order for the CICS backend and all the PBM servers of the banks to be synchronized. 6. Therefore, the installation and deployment of the new PCHC certificate at the CICS backend server shall be implemented on August 14, 2021 (Saturday) starting at 7:00AM. As mentioned, banks MUST install the new PCHC certificate provided in all their respective PBM server stations after this time to match the certificate installed at the CICS Backend server. 7. Banks that are using the web-based CICS Frontend System of PCHC and do not have the PBM server are NOT affected by the certificate expirations. 8. Should you need more information and/or clarifications, do not hesitate to contact any of the PCHC officers below, to wit: Name Landline Mobile Email Ruben Conseja 85372711 09178387010 rubenconseja@pchc.com.ph Renie Sugano 85372722 09178387098 reniesugano@pchc.com.ph Maxi Torrecampo 85372710 09178387096 maxi.torrecampo@pchc.com.ph Ley Julian 85372713 09178387050 leyjulian@pchc.com.ph 9. Please be guided accordingly.

July 19, 2021 T O : All Clearing Banks/Institutions R E : NO CLEARING AND SETTLEMENT ON JULY 20, 2021 1. Pursuant to PhilPaSS Advisory No. BPU-2021-052 dated July 16, 2021, please be informed that PCHC offices will likewise be closed and will resume clearing operations on Wednesday, July 21, 2021. 2. July 20, 2021 has been declared as a regular holiday in observance of Eid’l Adha (Feast of Sacrifice) under Proclamation No. 1189, issued by Malacañang. 3. As CICS and PESONet platforms are open 24/7, both shall remain open to accept transmitted transactions for settlement on July 21, 2021. 4. Morning returns cut-off of CICS for July 19 transactions will be until 8:00 AM of July 21, 2021. 5. Please be guided accordingly.

July 9, 2021 T O : All PESONet Participant Banks/Institutions R E : PARTICIPATION OF RURAL BANK OF MONTALBAN, INC. 1. We are pleased to announce the participation of Rural Bank of Montalban, Inc. in the Phil. EFT System Operation Network (PESONet) ACH effective July 21, 2021. 2. Rural Bank of Montalban, has an assigned BRSTN 01179-001-1 and will use its BIC: RUMTPHM2XXX. 3. The bank has completed its User Acceptance Testing on the use of PESONet Front-end Application and submitted sign-off after successfully completing heartbeat test. 4. Please include the said bank in your respective PESONet participants’ directory and disseminate to your respective branches/offices. 5. For information and guidance.

July 16, 2021 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 NAME BRSTN ADDRESS LBP - ON THE GO - MINDANAO 03035-016-0 c/o Bajada Branch MSD Yap Building, J.P. Laurel Avenue, Bajada Davao City BDO - WALTERMART - ANTIPOLO 01053-687-8 G/F, Waltermart Antipolo, L. Sumulong Memorial Circle, Brgy. San Roque, Antipolo City BDO - BGC - FORT VICTORIA 01053-688-1 Unit C-108, G/F Fort Victoria Condominium, 5th Avenue corner Rizal Drive, Brgy. Fort Bonifacio, Bonifacio Global City, Taguig City BDO NB - PANGASINAN - BOLINAO 05118-004-7 Commercial Area #2 Cape Town Hotel, National Highway corner Don Agustin Cacho Brgy. Concordia, Bolinao, Pangasinan BDO NB - CAGAYAN - ABULUG 23118-004-5 G/F, M. Lubo Clinic and Drugstore, National Highway, Brgy. Libertad, Abulug, Cagayan 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01004-422-1 BPI Victory Park & Shop – GF, GF08-GF10 Antipolo Victory Park & Shop – Victory Park and Shop, Antipolo, Rizal 83 Circumferential Road, Brgy. San Jose, Antipolo City 1870 02035-006-0 LBP – MEPZA Quezon Highway, Pajo, Lapu-Lapu GSO Building, M.L. Quezon City National Highway, Barangay Pajo, Lapu-lapu City, Cebu 06035-005-9 LBP – Clark Lily Hill Plaza, C. M. Recto Highway, Pavilion 17, Clark Center, Jose Clark Freeport Zone, Clarkfield, Abad Santos Avenue, Clark Pampanga Freeport Economic Zone, Mabalacat City, Pampanga 13118-002-2 BDO NB – Nueva Ecija Brgy. Malasin, San Jose City, Nueva Units 1 & 2 Belareez Business -San Jose Ecija Center, Maharlika Highway, Barangay Malasin, San Jose City, Nueva Ecija 2. Pursuant to C ICS O M N o. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective July 16, 2021. 3. For your information and guidance.

November 12, 2020 T O : All Clearing Banks / Institutions R E : SUSPENSION OF CLEARING AND SETTLEMENT ON NOVEMBER 12, 2020 1. In connection with the PhilPaSS Advisory (BPU-2020-14) issued by the BSP, we wish to inform that clearing and settlement for CICS, PESONet and PDDTS (both RTGS/PvP and Batch EOD) will be suspended today, November 12, 2020.. 2. As such, the standard operating procedures for Philippine Holidays for trading, clearing and settlement under Section 3.b as provided under BSP Memorandum M-2020-013 shall be observed. 3. Please be guided accordingly.

March 10, 2021 TO : All PDDTS Participating Banks/Institutions RE : AVAILABILITY OF TRANSACTION POSTING TIME IN THE PDDTS FRONT-END APPLICATION We are pleased to inform the relevant information/data to support our Regulator requirement for banks to provide Intraday Liquidity Reports in compliance with BSP Circular 1064 is available in the PDDTS Front=end Application. In a meeting requested by the concerned unit of the BSP, we were informed that banks should be able to create/submit the required report and was asked if banks can extract some of the required data from the said PDDTS program/application. Critical in generating the Intraday Liquidity Report accordingly, is the time that a specific PDDTS transaction was posted as the Intraday Liquidity Report is intended to express a bank's liquidity position at specific intervals throughout a banking day. We expressed that PDDTS participants may extract those information/data through the SOA function of the PDDTS Front-End Application. In this connection, we would like to again re-introduce if not refresh participants in the PDDTS RTGS/PvP, System particularly banks' designated Makers/Authorizers that they may access the SOA function through the following means: a. Click on Account Activity on the PDDTS Front-End left navigation menu b. Click on SOA 6. The field Post Time in the SOA conveys the time that a transaction was posted in PDDTS (See Annex A) 7. We hope that the foregoing information will be helpful to banks in their reporting requirements. 8. For your information and guidance.

July 16, 2021 T O : All PDDTS Participant Banks/Institutions R E : DEACTIVATION OF BDO PRIVATE BANK’S PARTICIPATION IN THE PDDTS EOD 1. We were informed in a letter dated July 13, 2021 of Mr. Christopher John B. Patawaran, Settlements Head, that BDO Private Bank, Inc. shall cease to participate in the PDDTS End-of-Day (EOD) Netting Operations effective July 16, 2021. 2. As such, kindly delete the named bank from your PDDTS EOD directory: BANKNAME BANK CODE BRSTN BDO Private Bank, Inc. 076 01076-001-3 3. For information and guidance.

Memo Circular No, 3520 01 April 2019 TO : All Clearing Banks/lnstitutions 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, wit: 1.1 New Clearing Participants BANK/BRANCH BRSTN ADDRESS BPI - 26th STREET BGC 01004-472-6 High Street South Corporate Plaza, 26th St. Cor. 11th Ave., Fort Bonifacio, Taguig City BPI - VMALL EXPRESS 01004-474-2 3F Unit V301 Vmall Greenhills Center BPI - CLARKFIELD BERTHAPHIL 06004-033-0 Ground Floor, Clark Center 10, Clark Center, Jose Abad Santos Avenue, Clark Freeport Zone BPI - TALAVERA 13004-032-5 Maharlika Highway, Marcos District, Talavera, Nueva Ecija BPI - LIMA PARK 19004-020-0 Lima Park Malvar, Batangas USB - PALO, LEYTE 11049-001-8 Tacloban-Baybay Road, Brgy. Guindapunan, Palo, Leyte ONB - SURIGAO DEL NORTE SIARGAO 21118-002-3 Unit 1, Plaza Business Center corner San Sebastian and National Highway Roads, General Luna, Surigao del Norte EBI - MANDAUE 02138-002-6 City Time Square Phase Il, Mantawi Ave., Barangay Tipolo, Mandaue City, Cebu, Philippines EBI - SAN FRANCISCO 57138-003-9 Quezon St., San Francisco, Agusan del Sur, Philippines 1 .2 Relocation/Chanqe in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01026-419-5 METRO Fort - Net Plaza Fort - Finance Centre 01053-419-7 BDO A. Bonifacio - Balintawak - 960 A. Bonifacio - Cloverleaf 2/F, A. Bonifacio Avenue, Balintawak, space No. 202C, Ayala Malls Quezon City Cloverleaf , A. Bonifacio Avenue, Brgy. Balingasa, Quezon City 41053-016-0 BDO - Kawit - Binakayan 1497 National Road, Lot 305 - B-3, 140 National Binakayan, Kawit , Cavite Road, Brgy. Binakayan, Kawit, Cavite 01102-117-5 Asia United - Boni Ave. 700-C Boni Avenue, Mandaluyong SCT Bldg. 1, 584 Shaw Blvd., Mandaluyong City Mandaluyong City 14102-002-0 Asia United - Lucena Brgy. Gulang - Gulang, Magallanes Cor. Enriquez Diversion Diversion Rd., Lucena City Sts. , Lucena City 64102-001-2 Asia United - Maasin, Leyte Tomas Oppus St., TungaTunga, Hssc Main Bldg., 379 Real Maasin, Southern Leyte St., Ormoc City 05122-024-0 PSBC - Sta. Maria San Alejandro, Sta. Maria, Palaruan Street, Poblacion Pangasinan East, Sta. Maria, Pangasinan 2440 1 .3 Deletion of the following branchesBRSTNMandaluyong City BANK BRANCH NAME BRSTN CTBC - KALOOKAN 01069-005-7 CTBC - ARRANQUE 01069-006-0 CTBC - STA. ELENA 01069-007-3 CTBC - VALENZUELA 01069-009-9 1 .4 Inclusion of the following branches in the list of BIR AABs BANK BRANCH NAME BRSTN LBP - TUAO 23035-007-0 2. Pursuant to CICS 0M No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective 01 April 2019. 3. For your information and guidance.