July 14, 2021 T O : All Clearing Banks/Institutions R E : PARTICIPATION OF METRO SOUTH COOPERATIVE BANK 1. We are pleased to announce the inclusion of Metro South Cooperative Bank (MSCB) in the nationwide Check Image Clearing System (CICS) operations as a Clearing Subscriber effective July 21, 2021. 2. The Main Branch of Metro South Cooperative Bank will be its pilot branch. BANK/BRANCH NAME BRSTN ADDRESS METRO SOUTH COOPERATIVE 01161-001-0 IDC Centre, Kalayaan cor. Zapote St., Sta. Cruz, Makati BANK – MAIN BRANCH City 1205 3. Kindly disseminate to all your branches/offices and update as well your respective BRSTN Register accordingly.

July 12, 2021 TO : All PDDTS Participants RE : UPGRADING OF THE PDDTS BATCH EOD TO ISO 20022 STANDARDS 1. We are pleased to announce that we shall be upgrading our PDDTS Batch EOD application to align with ISO 20022 standards. 2. To enable this upgrade, PCHC will provide a new platform, derived from the same application provisioned for PESONet, which in addition to supporting ISO 20022, will also include the updating of the Front-End and Web Service API. 3. In view of this development, PCHC would lie to invite all PDDTS participants to attend an online briefing via WebEx on July 27, 2021 at 10:00 AM. Participants may send up to 4 participants which may come from the respective Ops, Channels and IT Units of their banks. 4. We would appreciate receiving the names and e-mail addresses of the participants on or before 20 July 2021. Names of confirmed participants may be e-mailed to Ms. Monet Paguirigan at monetpaguirigan@pchc.com.ph. 5. We count on the full support of all PDDTS participating banks.

July 9, 2021 T O : All Clearing Participant Banks/Institutions R E : REVISED RULES OF SETTLEMENT IN A MULTIPLE PRESENTMENTS CLAIM OF A DRAWEE BANK 1. A Drawee Bank may file a written Report on Multiple Presentments of a Check drawn against it (“Subject Check”) together with a request for settlement of its Multiple Presentments Claim. Please see attached Annex “A” for the format of the Report and the Claim. 2. Upon receipt of a Multiple Presentments Claim, PCHC shall require each of the Presenting Banks (Digital or Non- Digital) mentioned in the Multiple Presentments Claim (the “Respondent Banks”) to submit the following: 2.1. the cleared Physical Original Check (the “POC”) covered by the deposit transaction processed by the Presenting Bank, as mentioned in the Multiple Presentments Claim; and 2.2. the front and back image of the POC; 2.3. comments of the Presenting Bank (the “Comments”) on the statements of the Drawee Bank (the “Drawee’s Statements”) in its Multiple Presentments Claim regarding the deposit transaction processed by the Presenting Bank. 3. PCHC’s requirement shall be conveyed to the Respondent Banks through electronic mail (PCHC Mail). The Respondent Banks shall submit to PCHC the requirements under Section 2 above within 15 business days from receipt of the PCHC Mail addressed to them/it. 4. Non-submission of the POC within the 15-business day period is considered an admission of Respondent Bank that it does not have the POC and non-submission of its Comments is held as an implied admission by Respondent Bank of the truth and accuracy of Drawee’s Statements. Any admission of Respondent Bank under this provision shall not constitute an admission by it for any other purpose nor may the same be used against it in any other proceeding. 5. After the expiration of the 15-business day submission period, PCHC shall evaluate the submissions of the Respondent Banks and, at its option, conduct further inquiry with the Respondent Banks. 6. In deciding on the Multiple Presentments Claim of Drawee Bank, PCHC shall go by the following guidelines: 6.1. the Respondent Bank which submits the POC shall not be answerable to the Drawee Bank on the Multiple Presentments Claim, provided that the POC is genuine (or not a Counterfeit/Duplicate), subject to the liabilities of a Presenting Bank for presenting a clearing item with Alterations or Technical Defects, and to the provisions of the last paragraph of Section 6.2 below. 6.2. Any Respondent Bank which- 6.2.1. cannot or does not submit to PCHC the POC (genuine) specified in Section 6.1 above, or 6.2.2. is deemed to have admitted non-possession of the POC (as provided in Section 4 above); shall reimburse the Drawee Bank the amount received by it (Respondent Bank) on its clearing item mentioned in the Multiple Presentments Claim, as confirmed by PCHC, except if the corresponding POC presented to PCHC appears to indicate or shows erasures/alterations that are indicative of an earlier deposit of the clearing item with said Respondent Bank, in which case PCHC shall conduct further investigation of the facts on said deposits to determine the liabilities of the Respondent Banks to each other. 7. Reimbursement or credit to the Drawee Bank of the amount it paid on Subject Check shall be implemented by way of the usual charge slip on the basis of PCHC’s confirmation, as provided in Section 6.2 above. 8. If the Multiple Presentments Claim of the Drawee Bank is not filed with or not settled through PCHC, the procedure in this CICS OM shall not apply. 9. In the event any Check covered by a Multiple Presentments Claim – 9.1. gets deposited again, within 180 days from its date but after settlement of the Multiple Presentments Claim in accordance with this CICS OM, or 9.2. is discovered or claimed to be a Counterfeit after settlement of the Multiple Presentments Claim as provided in this CICS OM, the Drawee Bank shall not be entitled to file a Multiple Presentments Claim with PCHC on that Check. 10. In all claims filed with PCHC, penalty shall be imposed on any Presenting Bank which cannot present the cleared POC covered by the claims or the front and back image of the check it presented. The penalty shall be in the amount of Php1,000.00 per item payable to PCHC for violation of Section 12 of the CICS Rules and Regulations. 11. Considering the importance of the examination of the POC, we strongly suggest to the clearing participant banks to remind/encourage their clients to check their Statement of Account (SOA) as soon as received. 12. The handling of a Check dishonored and returned by a Drawee Bank for having been presented more than once by the Presenting Bank for clearing is clearly and sufficiently covered by Section 1.1.2.6.2 of CICS OM No. 18-027 dated December 14, 2018. 13. This Operating Memo amends Section 4 (Settlement Guidelines) of CICS Operating Memo No. 20-033 dated July 8, 2020. 14. For guidance and strict compliance.

July 5, 2021 T O : All PESONet Participant Banks/Institutions R E : PARTICIPATION OF RURAL BANK OF STA. IGNACIA, INC. 1. We are pleased to announce the participation of Rural Bank of Sta. Ignacia, Inc. in the Phil. EFT System Operation Network (PESONet) ACH effective July 15, 2021. 2. Rural Bank of Sta. Ignacia, has an assigned BRSTN 22175-001-6 and will use its BIC: RUSGPHM1XXX. 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 05, 2021 TO : All Clearing Banks/Institutions RE : NEW CLEARING PARTICIPANT/BRSTN REGISTER UPDATES 1. With reference to the request letter/notice received from the clearing participant bank, the following updates to the PCHC clearing participant banks/BRSTN Register and Operating Parameter, viz: 1.1. New Clearing Participant BANK/BRANCH BRSTN ADDRESS RBC - CEBU IT PARK 02107-007-7 G/F Park Centrale Tower, Jose Maria Del Mar Street, Cebu IT Park, Apas Lahug, Cebu City 2. Pursuant to CICS OM N o. 17-004 dated 18 January 2017 , the aforementioned updates w ill be implemented effective July 05, 2021. 3. For your information and guidance.

July 01, 2021 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 - SM RETAIL HQ BLDG. A 01053-689-4 SM Retail Headquarters Bldg. A Location Code 104 - 105 A J.W. Diokno corner Seaside Blvd. Mall of Asia Complex, Brgy. 76 Pasay City 1300 BDO NB - SORSOGON - DONSOL 16118-003-4 G/F, Donsol Imperial Marketing Bldg., Clemente St., Brgy. Punta Waling-Waling Dalisay, Donsol, Sorsogon 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 12026-009-2 METRO – Baguio-Marcos TG Bldg., Along Marcos Highway, Km. GF Dacanay Building, Highway 3, Brgy. Central, Bakekang, Baguio Marcos Highway, City Barangay Imelda Marcos, Baguio City 13122-032-2 PSBC – Malolos M. Crisostomo St., Brgy. San Vicente, M. Tengco corner Estrella Malolos Plaza, Malolos City, Bulacan St. Brgy. Sto. Rosario, Malolos City, Bulacan 1.3 Deletion of the following branches BANK BRANCH NAME BRSTN EAST WEST - CSD - GIL PUYAT AVE. 01062-030-2 EAST WEST - CASH SVC - DON ANTONIO 01062-031-5 EAST WEST - CSD -FESTIVAL MALL 01062-032-8 EAST WEST - ALABANG INFINITY 01062-034-4 EAST WEST - MAKATI INFINITY 01062-035-7 EAST WEST - MARIKINA 01062-043-8 EAST WEST - E. RODRIGUEZ 01062-045-4 EAST WEST - CASH SERVICE DEPT. 01062-048-3 EAST WEST - ALABANG - ZAPOTE 01062-050-6 EAST WEST - MALABON 01062-052-2 EAST WEST - CSD - KATIPUNAN 01062-182-2 EAST WEST - E. RODRIGUEZ-RUSTIA 01062-198-7 EAST WEST - EMERGING MARKETS BANKING 01062-219-3 EAST WEST - THE FORT - SEVEN NEO 01062-238-4 EAST WEST - CEBU OSMENA 02062-005-9 EAST WEST - MANDAUE-SUBANGDAKU 02062-010-1 EAST WEST - CEBU-BOGO 02062-011-4 EAST WEST - LAPULAPU 02062-012-7 EAST WEST - CEBU-TOLEDO 02062-013-0 EAST WEST - CASH SERVICE DEPT.-CEBU 02062-024-0 EAST WEST - CSD - DAVAO STA. ANA 03062-016-2 EAST WEST - CSD - BACOLOD 04062-007-1 EAST WEST - SAN FERNANDO - DOLORES 06062-003-5 EAST WEST - NAGA-DINAGA 07062-002-5 EAST WEST - CDO - CARMEN 10062-002-1 EAST WEST - TAGOLOAN 10062-003-4 EAST WEST - TACLOBAN 11062-001-1 EAST WEST - TACLOBAN-AVENIDA V 11062-002-4 EAST WEST - LUCENA-ENRIQUEZ-JU 14062-002-3 EAST WEST - BATANGAS - P.BURGOS 19062-003-1 EAST WEST - DAPA 21062-001-8 EAST WEST - KITCHARAO 21062-003-4 EAST WEST - AMPAYON 30062-002-5 EAST WEST - BAYUGAN 30062-003-8 EAST WEST - CABADBARAN 30062-004-1 EAST WEST - NASIPIT 30062-005-4 EAST WEST - STA.ROSA LAGUNA 31062-005-7 EAST WEST - ROXAS 34062-001-4 EAST WEST - PALAWAN 35062-001-7 EAST WEST - CASH SERV.-BACOOR 41062-003-8 EAST WEST - KAWIT - BINAKAYAN 41062-010-6 EAST WEST - KORONADAL 55062-001-1 EAST WEST - MATI 56062-001-4 EAST WEST - SAN FRANCISCO 57062-001-7 EAST WEST - TRENTO 57062-002-0 EAST WEST - MANGAGOY 58062-001-0 EAST WEST - TANDAG 59062-001-3 EAST WEST - MADRID 59062-002-6 EAST WEST - MAASIN 64062-001-5 EAST WEST - BAYBAY 65062-001-8 EAST WEST - CALBAYOG 68062-001-7 EAST WEST - PAGADIAN 72062-001-6 EAST WEST - GINGOOG 75062-001-5 ASIA UNITED - MARIKINA 01102-020-2 ASIA UNITED - ANTIPOLO-ML QUEZON 01102-041-9 ASIA UNITED - DEL MONTE-ARANETA 01102-048-0 ASIA UNITED - PASAY 01102-059-0 ASIA UNITED - AURORA 01102-071-0 1.4 Inclusion of the following branches in the list of BIR AABs BANK BRANCH NAME BRSTN LBP - TANGUB 76035-003-2 2. Pursuant to CICS OM No. 17 - 004 dated 18 January 2017 , the aforementioned updates will be implemented effective July 01, 2021. 3. For your information and guidance.

July 1, 2021 T O : All Clearing Banks / Institutions R E : CHANGE IN CORPORATE NAME - MALAYAN SAVINGS & MORTGAGE BANK 1. We are informed in a letter dated June 29, 2021 of Mr. Cesar P. Engcoy, Jr., BBG Operations Head of the Malayan Savings & Mortgage Bank of the bank’s new corporate name, to wit: “MALAYAN SAVINGS BANK, INC.” 2. The change in name was approved by the Bangko Sentral ng Pilipinas (BSP) as published in its Circular Letter No. CL-2021-043 dated May 21, 2021. 3. The new corporate name of the bank will be included in our parameter update effective July 01, 2021. 4. Please be guided accordingly.

June 29, 2021 T O : All PDDTS Participant Banks/Institutions R E : PARTICIPATION OF MALAYAN BANK IN THE PDDTS 1. We are pleased to announce the participation of Malayan Savings and Mortgage Bank, Inc. in the PDDTS RTGS/PVP effective July 1, 2021. 2. Malayan Bank will use its BIC: MAARPHM1XXX. 3. Please include the said bank in your respective PDDTS participants’ directory and disseminate to your respective branches/offices. 4. For information and guidance.

June 22, 2021 T O : All PESONet Participant Banks/Institutions R E : PARTICIPATION OF BPI DIRECT BANKO, INC. 1. We are pleased to announce the participation of BPI Direct BanKo, Inc. –A Savings Bank in the Phil. EFT System Operation Network (PESONet) ACH. 2. BPI Direct BanKo’s live participation will be effective on July 15, 2021 and requested the use of its preferred name – “BanKo, A Subsidiary of BPI”, to be the one used in the drop-down menu of PESONet member banks. 3. BPI Direct BanKo, has an assigned BRSTN 01054-001-3 and will use its BIC: BPDIPHM1XXX. 4. 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. 5. Please include the said bank in your respective PESONet participants’ directory and disseminate to your respective branches/offices. 6. For information and guidance.

June 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 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 PBB - GENERAL ACCOUNTING CENTER 01097-997-2 Z-Square Mall, 886 Banaue St., cor. Del Monte Avenue, Quezon City 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01004-049-0 BPI MIA – Manila International New MIA – Units H & I, 707 Airport Paranaque City Columbia Complex Bldg., Ninoy Aquino Ave., Brgy. Sto. Nino, Paranaque City 1700 01004-096-6 BPI – Ayala Ave Extension BPI Bldg., Ayala Avenue Ext. cor Ground Floor Assembly Grounds Metropolitan Ave & Kamagong at The Rise, Malugay Street, San St, Brgy. Bel-Air, Makati City Antonio Village, Makati 01004-111-4 BPI BPI Exp Courtyard Mall – The La Huerta Paranaque – 648 Courtyard Mall 421 Quirino Ave., Quirino Ave. cor. Kabihasnan La Huerta, Paranaque City Road, Brgy. San Dionisio, Paranaque City 1700 01004-192-3 BPI Harrison Plaza BPI Leon Guinto 01004-220-7 BPI Escolta T. Pinpin - G/F Benavidez Benavidez – Orchard Residences, Garden Condominium, 1186 No. 1311-1325 Masangkay St., Benavidez St., Binondo Manila Tondo Manila 1013 01004-324-8 BPI – Escolta Sta. Cruz Prudential Bank Building cor. Escolta cor Nueva St., Brgy 291 Plaza Lacson & Escolta St., Sta. Zone 27 Binondo, Manila 1006 Cruz, Manila 01004-345-5 BPI – Paco 2 No. 1518 Pedro Gil St., Paco, G/F Rivergreen Residences Pedro Manila Gil Street, Barangay 880, Sta. Ana, Manila 01004-366-2 BPI – A. Bonifacio - Mauban Prudential Building cor. A. NS Amoranto Cor. Mayon St., Bonifacio and Mauban Sts., San Brgy. NS Amoranto, La Loma, Jose, Quezon City Quezon City 1114 01004-375-6 BPI – G. Araneta Unit 19, A and B Gemini Bldg., G. 486 G. Araneta Avenue, Brgy Araneta Avenue, Quezon City Dona Imelda, Quezon City 1113 01004-378-5 BPI BPI Exp Shaw - Kalentong – No Shaw Kalentong – 317 Shaw 55 Shaw Blvd. near cor. Blvd. near (Acacia Lane), Kalentong, Mandaluyong City Brgy. Hagdang Bato, Mandaluyong City 1550 01004-381-1 BPI Las Pinas - Almanza Uno – G/F Almanza Uno - Las Pinas – G/F Macro Golden Star Bldg., D'Marrchs Bldg, Alabang - Almanza I, Las Pinas City Zapote Road, Brgy Almanza Uno, Las Pinas City 1740 01004-396-3 BPI BPI Exp - Sucat - Virramall Sucat Virramall 01004-418-2 BPI – New Farmers Plaza Space 2079, 2L, New Farmers Space No. 20 Ground Floor Plaza Mall, Cubao, Quezon City Manhattan Parkview Retail, Gen. Roxas Avenue corner Gen. Romulo Street, Araneta Center, Brgy. Socorro Quezon City 01004-425-0 BPI – Mindanao Avenue G/F HBC Corporate Center, 546 G/F SM Hypermarket Novaliches, Mindano Ave., Cor. Quirino 402 Quirino Highway, Brgy Highway, Novaliches, Quezon Talipapa, Novaliches, Quezon City City 01004-444-1 BPI – Ortigas St. Francis G/F Square Mall, Julia Vargas Unit 101 G/F Jollibee Plaza Square cor. Bank Drive, Ortigas Center, Condominium, F. Ortigas Jr. Mandaluyong City Road, Brgy. San Antonio, Ortigas Center, Pasig City 1605 01004-448-3 BPI – Hermosa Lot 1 and 2, Block 15, Hermosa 2484-2488 Juan Luna St., cor. Limay Sts., Tondo, Manila Gagalangin, Tondo, Barangay 165, Manila 02004-041-9 BPI – Cebu IT Park eBloc 3 Lvl 1, eBloc Tower 3, Geonzon G/F Ayala Malls Central Bloc, Rd., Cebu IT Park, Apas, Cebu Padriaga Street corner Abad City Street, Brgy Lahug, Cebu City 05004-001-0 BPI Dagupan – T. Bugallon cor. Dagupan AB Fernandez – Arellano Sts, Dagupan City, Arellano Street Corner AB Pangasinan Fernandez Avenue, Barangay Pantal, Dagupan City, Pangasinan 2400 13004-026-0 BPI Baliwag - Rizal – Along Rizal Baliuag Rizal – B.S. Aquino Ave., St., Baliwag Bulacan Brgy. Bagong Nayon, Baliwag, Bulacan 14004-003-0 BPI Candelaria – Val and Sons Bldg., BPI Candelaria – Maharlika Rizal Cor. Gonzales St., Highway, Brgy Malabanban Candelaria, Quezon Norte, Candelaria, Quezon 02011-006-4 PBCom-Cebu Business Park G/F Mercedes - Benz Tower, Ground Floor Retail No. 05, Mindanao Ave., Cebu Bus. Park, Latitude Corporate Center, Cebu City Mindanao Ave., Cebu Bus. Park, Cebu City 01053-213-1 BDO Q.I.- E. Rodriguez Sr. – G/F Waltermart - E. Rodriguez – Ablaza Bldg., 117 E. Rodriguez WQCC 019, Waltermart E. Sr., Quezon City Rodriguez, No. 222 Pacific Center E. Rodriguez Sr Avenue, Brgy. Kalusugan, Quezon City 01053-330-5 BDO – EDSA-New Farmers G/F New Farmers Plaza, Gen. Unit FPGF038R &FPGF054R G/F Plaza Roxas Ave., Araneta Center, New Farmers Plaza, Gen. Roxas Cubao, Quezon City Ave., Araneta City, Brgy. Socorro, Cubao, Quezon City 2. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective June 16, 2021. 3. For your information and guidance.