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CICS MC No. 3881 PDDTS MC No. 2025-123 PAS MC No. 2025-036 June 13, 2025 T O : All Clearing Banks/Institutions R E : Launch of Centralized Ticketing System for Exception Reporting, Inquiries, and Participants’ Requests for Assistance 1. To enhance service delivery and to streamline communication between PCHC and all participant institutions, we are pleased to announce the official launch of PCHC’s Ticketing System, a centralized platform designed to manage requests, inquiries, and incident reports more efficiently and transparently. 2. The ticketing platform will be introduced in two phases: - Parallel Run Period: June 16 to July 15, 2025 - Full Implementation: Starting July 16, 2025 3. Beginning June 16, all communication—including general inquiries, system-related concerns, service requests, incident reports, and updates to contact information—must be sent to HelpDesk@pchc.com.ph. This centralized email will serve as the official entry point for our new ticketing platform. 4. During the parallel run, PCHC will continue to respond to communications sent to existing individual email addresses and PhilClear@pchc.com.ph only for those concerns raised before June 16, 2025. 5. This initiative aims to: - Provide automated acknowledgments with a unique Request ID for easy reference and tracking - Ensure prompt routing and monitoring of concerns to the appropriate team - Deliver real-time status notifications (ticket creation, resolution, and closure) - Improve visibility and accountability in handling participant requests 6. For further guidance on using the ticketing platform, please refer to the attached Guidelines for Participant Institutions (Attachment A). 7. We encourage all participants to familiarize themselves with the process and best practices outlined in the guidelines to ensure a smooth transition and optimized experience. 8. Should you have any clarifications or need assistance during the transition period, our Helpdesk team is ready to assist. 9. Let’s work together in making this shift a success. Your cooperation is crucial in helping us deliver more responsive and reliable support services. 10. Please be guided accordingly. Attachment A of CICS MC No. 3881/PESONet MC No. 25-181/PDDTS MC No. 2025-123/PAS MC No. 2025-036 P CHC Ticketing System Guidelines for Participant Institutions 1. What to expect upon the launch of Ticketing System • All service requests, inquiries, and concerns sent via email will be automatically logged into the ticketing platform. Messages sent via other channels (e.g., calls, SMS, messaging apps) will require manual logging by PCHC staff. • Senders will receive an automated acknowledgment confirming receipt of their email. • Each incoming email will be assigned a unique Request ID for easy reference and tracking. • Upon receipt of the email, every message is automatically tagged with a unique Request ID for convenient tracking and future reference. • Ticketing System monitors all received messages so that assigned respondents are properly notified of any messages for their acknowledgment and/or appropriate response. • To keep track of the statuses of messages received, the system will send notification emails to the sender automatically upon creation, resolution and closure of their ticket requests. • All tickets (messages) received and assigned to intended recipient/s when responded to, will bear the centralized email address: HelpDesk@pchc.com.ph as the originator of the response/s in lieu of the usual individual email of PCHC personnel. 2. Guidelines for Proper Email Communication with PCHC Helpdesk • Always reply within the same email thread. Bank officers should always respond—when necessary—within the same, most recent email thread. This helps preserve message context and ensures accurate tracking against the corresponding ticket. • Do not change the subject line. Each incoming message is assigned a unique Request ID, which is automatically inserted into the email's subject line. This identifier enables the system to track conversations accurately. Replies must remain within the original thread using the updated subject line to avoid creating separate, unlinked messages. • Check your Spam/Junk Folders Regularly. During the initial rollout of the ticketing system, participant banks are advised to monitor their Spam or Junk folders to prevent missing important communications from HelpDesk@pchc.com.ph , as automated replies may occasionally be misclassified as spam • Avoid duplicate email submission for the same issue/concern. 􀀀 The ticketing system assigns a unique Request ID to each concern and tracks correspondence accordingly. Sending multiple emails for the same issue may result in multiple ticket entries, leading to confusion and potential delays in response. 3. T ips for Proper Classification and Timely Response • Be clear and concise in specifying or describing the issue or concern for easy classification and forwarding of such message to appropriate respondent/s e.g. “Cannot Access VPN”, “BRSTN Assignment”, “Branch Deletion”. • Include/attach relevant details. The body of the email should include all necessary information for the respondent/s to be able to quickly, appropriately and substantially reply to the message received like citing Memo Number, Section of the Rules, Error or Exception Message/s received, Payment System, Cycle Number, etc. 4. Key Considerations for Effective Communication via HelpDesk@pchc.com.ph • Clearly describe the problem. Precision or substantial information provided relevant to the issue or concern raised will help the respondent/s understand the real concern of issue at hand that may help get prompt response. • Supporting materials help. Raising issues/concerns may be effective by attaching any available materials to help explain the situation at hand e.g. logs, screenshots of system messages. • Availability of Contact Information. Sometimes, participants are unable to update PCHC of their authorized officers (already resigned, retired or re-assigned to other sections/department) so that respondent/s are unable to immediately relay info or further clarification via phone or via alternate officer’s contact information. • Previous Ticket Number. When an issue is recurring, mentioning previous engagement specifying ticket number/s if available will help provide quicker reference to hasten revert or appropriate response.

June 02, 2025 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 PNB - CDO - Uptown 10008-009-8 La Piazza Uptown Park, Masterson Avenue, Upper Carmen, Brgy. Balulang, Cagayan de Oro City SBC - Makati Life Medical Center 01014-230-1 Metropolitan Avenue and Malugay Street, Brgy. Bel - Air, 1209, Makati City SBC - Chino Roces - Yakal 01014-235-6 GF 13, Eton Westend Square, Chino Roces Ave. corner Yakal, Barangay San Antonio, Makati City SBC - Apalit 06014-012-0 McArthur Highway, Apalit, Pampanga SBC - Bacoor 41014-010-7 GF, Main Square, Bacoor Boulevard, Bayanan, Bacoor City, Cavite BDO NB - Pangasinan-Sta. Maria 05118-015-7 Provincial Road, Poblacion West, Sta. Maria, Pangasinan BDO NB - Camarines Sur-Lagonoy 07118-015-3 G/F, ANH Bldg., Juan Presenada St., Sta. Maria, Lagonoy, Camarines Sur BDO NB - Iloilo - Dumangas 08118-026-6 G/F, B & E Bldg., Burgos St., Brgy. Poblacion, Dumangas, Iloilo BDO NB - Iloilo - Cabatuan 08118-027-9 G/F, Units 2-5, JBM Business Plaza, Bermejo St., Zone III, Brgy. Poblacion, Cabatuan, Iloilo BDO NB - Ilocos Sur - Sinait 32118-006-5 16 Maharlika Highway, Brgy. Namnama, Sinait, Ilocos Sur BDO NB - Camarines Norte-Mercedes 36118-008-3 G/F, Unit 1, DYLOCO Bldg., Eco Ave., Brgy. 5, Mercedes, Camarines Norte BDO NB - Leyte - Palompon 39118-006-6 G/F, Commercial Bldg., Rizal St., Brgy. Central 1, Palompon, Leyte BDO NB - Southern Leyte - 64118-002-0 G/F, Units 1-3, Commercial Bldg., National Road, Brgy. Hinunangan Salog, Hinunangan, Southern Leyte BDO NB - Misamis Oriental - Medina 75118-004-6 G/F,Commercial Bldg., Purok 6, Brgy. Poblacion, Medina, Misamis Oriental PSBC - Dasol 05122-035-0 Unit 1A & 1B Luck RM Square, National Road, Poblacion, Dasol, Pangasinan PSBC - Sariaya 14122-004-0 Producers Bank Bldg., Quezon Ave. Corner Daliz St., Brgy. 5, Sariaya, Quezon 1.2. Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 26004-002-0 BPI – Cauayan Isabela Cauayan City, Isabela National Highway corner Rivera Street, District 1, Cauayan City, Isabela 01014-079-8 SBC Masangkay - Soler Magdalena 01014-134-4 SBC Matalino Diliman Matalino 27118-005-0 BDO NB – Maguindanao del Sultan Kudarat, Maguindanao G/F, SK Commercial Complex Norte -Sultan Kudarat del Norte National Highway, Brgy. Salimbao, Sultan Kudarat, Maguindanao del Norte 02141-002-2 CARD SME Talisay City – Cebu Cebu City – Lot No. C., V. Rama Avenue, Brgy. Calamba, Cebu City 1.3. Deletion of the following branch/es BANK BRANCH NAME BRSTN RCBC - SB - San Mateo 01060-005-0 RCBC - SB - Marulas 01060-033-5 RCBC - SB - Navotas 01060-051-3 RCBC - SB - Sta Mesa 01060-055-5 RCBC - SB - Taytay Business Center 01060-058-4 RCBC - SB - Lapulapu - Cebu BC 02060-011-8 RCBC - SB - Lopues East Bus Ctr 04060-004-6 RCBC - SB - Naga City Bus Ctr 07060-001-6 2. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective at 9:00 AM, June 02, 2025. 3. For your information and guidance.

April 18, 2024   T O      :           All   Member/Participant Banks R E       :             UPDATED CICS OPERATING GUIDELINES       1.      In view of the amendments in the settlement timelines as circularized under BSP Circular No. 1180 as well as the changes in the handling of duplicate items, and the need to update the Return Reason Table, we are revising the Operating Guidelines of the Check Image Clearing System (CICS), as follows:   Sec. 1 – INTRODUCTION   This document describes the operating guidelines primarily for all Member/Participant Banks’ personnel who are responsible for the preparation and submission/transmission of all outward check transactions to the CICS as well as the processing of inward clearing items. Similarly, this document also covers the preparation and submission/transmission of outward returns to the CICS and processing of incoming return transactions.   1.1.      Coverage   Nationwide - covers the Greater Manila Area, all cities, provinces that were formerly included in the regional and out-of-town geographical definition.   Participant Banks’ offices/branches located in these areas will truncate checks deposited with them that need to be cleared in accordance with the provisions of Sec. 3 of these Operating Guidelines.   1.2.      Clearing Session   CICS supports different categories of clearing transactions. These clearing transactions have separate clearing windows and are basically of the following types:      1.2.1.  Regular Presentment (Forward Window) - for the submission/transmission   by the Presenting Bank of its demand to the Drawee Bank for payment of a Regular Clearing Item (RCI), i.e., Check deposited with or issued to the Presenting Bank to be cleared by presentation of its electronic image and data via the CICS.   On any clearing day, the settlement cut-off time for the Regular Presentment Session is at 4:30 PM of the same day. All RCIs received by CICS within the cut-off time of a clearing day will be included in the settlement for the day. RCIs received by CICS after  this cut-off time will automatically be included in the Regular Presentment Session of the Next Clearing Day (i.e. the clearing day immediately following Day 1 [1] ) .    Special clearing of RCIs that do not meet the 4:30 PM netting cut-off ( i.e. direct physical presentation of clearing items to the Drawee Bank ) is unnecessary ( and not allowed )  as such items will automatically be included in the Regular Presentment Session of the Next Clearing Day.   The implementation of BSP Circular 1180 requires the DDA Balances of participant banks to be final at the end of each business day. Therefore, the Drawee Banks are enjoined to immediately verify their inward clearing items upon receipt and return dishonored items within this regular presentment window or before the 4:30 PM settlement cut-off. Similarly, the Presenting Banks may re-clear a dishonored item within this session if the reason for such dishonor is a defect that the Presenting Bank can rectify upon reprocessing and not caused by the issuer.   Any RCI received by the Drawee Bank within the R egular P resentment window however, may be returned by it prior to the day’s 4:30 PM cut-off time.  Though it will have zero effect on the Netting Results, such item will form part of the Session’s transactions and will be included in the usual processing reports.   For the Presenting Bank, a returned RCI will appear on the list of Regular Outward Items as well as on the list of Return Inward Items. Consequently, the same item will be included in the list of Regular Inward Items of the Drawee Bank as well as on the list of Return Outward Items.                  1.2.2.     PM Adjustment Window [2] – is a facility outside of CICS provided by PCHC to allow participant banks to either make amount adjustments to a clearing item in order to reflect the correct value (credit or debit adjustments) or return a dishonored item which amount may substantially affect the bank’s DDA Balance.   Starting March 6, 2024 (effectivity of BSP Circular No. 1180), a short window from 4:31 PM to 5:15 PM shall be opened to accept and process adjustment of an item with material amount after the 4:30 PM settlement cut-off. The same window can also be used to return dishonored items which amount can materially affect the participant bank’s DDA. PCHC shall generate a separate Netting Result for these processed items and transmit the same to BSP on or before 5:30 PM (of Day1).   1.2.3.     Returns Presentment or Returns Window  - for the transmission by the Drawee Bank to the Presenting Bank via the CICS of an RCI that is dishonored or unpaid.   Returns Presentment Session is the clearing period that immediately follows after the 4:30 PM CICS settlement cut-off time.  It ends at 8:00 AM of the Next Clearing Day - the prescribed Returns Presentment Cut-off Time [3] which is also known as the “AM Returns Cut-off.”     All return transactions received by CICS within the prescribed Returns Presentment Cut-off  time ( or the AM Returns Cut-off of 8:00 AM) will be value-dated on the same day starting March 7, 2024.   The CICS Backend will reject Return Items that do not meet the Returns Presentment Cut-off Time ( or the AM Returns Cut-off of 8:00 AM) and as such, the Drawee Bank may opt to present them directly ( special clearing ) to the Presenting Bank Central Clearing Unit on or before the prescribed Special Clearing Delivery Cut-off  of same day pursuant to Section 21 of the CICS RR and with prior notification to the Presenting Bank before the 10 AM availability of funds ( proceeds from the cleared deposited Check ).     Settlement of Special Clearing of Returns shall be thru Special Clearing Receipt (SCR). Details such as Presenting Bank/Branch Name, BRSTN, check number, amount of the Check/Item to be returned and the reason for dishonor must be clearly indicated or written on the SCR to serve as reference. The SCR should be accompanied by Special Return Check Advice (SRCA) with the images of the item to be returned and a covering letter to document the manual exchange.     Sec. 2 - CLEARING REQUISITES UNDER IMAGING AND TRUNCATION   2.1.         Sending Bank/Receiving Point   A Member/Participant Bank may have multiple points of capture but will only have one main single point of connection to the CICS, which will be termed as “sending/receiving point.”     Member/Participant Banks may opt to have additional sending points ( but not additional receiving points ) by allowing one or any of its branches to have additional PBM. Additional PBM will enable the Head Office to have back-up server that can be used simultaneously with the primary PBM and transmit directly to the CICS or a branch in a certain location to act as the lead branch where all the transactions of the other branches are transmitted to the Head Office or directly to PCHC.   2.2.        Digital Signatures   Security of data and image is a primary consideration in CICS operation.  The implementation of the Public Key Infrastructure (PKI) shall ensure data authenticity, integrity and non-repudiation.  The PBM of the Presenting Bank will encrypt every Image Cash Letter (ICL) File and affix digital signature on it before its transmission to the CICS. The image and data must be secured using the PKI throughout the entire transmission cycle between the Presenting Bank, PCHC and the Drawee Bank.     All images of clearing items shall include a hash using the SHA256 algorithm and this must be included in the ICL File. The purpose of this hash is for the Drawee Bank to validate whether the Images received are not altered. It is the responsibility of the Presenting and Drawee Banks to ensure that the movement of electronic files from their host capturing systems to the PBM is secured. Access to the bank’s PBM must be limited to authorized personnel only.   2.3.        Management of Digital Certificates         PCHC shall be the entity to manage the issuance, revocation, and maintenance of the digital certificates that will be installed in all the Member/Participant Banks’ PBM servers. All PBMs must be installed with a Hardware Security Module (HSM) component and corresponding digital certificates that will be used for the digital signing and encryption of the ICL Files.   The validity of the digital certificates was set to five (5) years and it will be up to the participant bank to coordinate with PCHC for the renewal of these certificates at any time.   2.4.        Use of Secure Network   All the generated ICL Files duly validated, encrypted & digitally signed, will travel over a secure communication link between the connecting Member/Participant Bank to the CICS. All acknowledgement messages will be transmitted via the same link. Banks may connect to the CICS via the Internet IP/VPN or leased line.   2.5.        Settlement   Transactions settlement in every clearing Session shall be made based on the electronic Check data (i.e. MICR Code Line plus Amount).   2.6.        Storage/Archive and Retrieval   Original paid Checks ( captured items ) must be stored for 180-days from the date of their payment (“Payment Date”) through the CICS.   PCHC will archive the images and data in its original ICL form.  These electronic records will be made available online to the Member/Participant Banks for twelve (12) months from their respective Payment Dates. Only authorized personnel of Member/Participant Banks will have access to the PCHC storage and archiving system.   Images and data archived by PCHC beyond the said 12-month period will be stored in hard disks and other storage media for future reference. PCHC shall keep Archived images and data for a period of ten (10) years from Payment Date. Request for retrieval/copies of these archived records must be duly signed by authorized bank officer.   2.7.        Scanning Standard   Scanning of the item transactions must conform to the prescribed image standards:     2.7.1.      Front and Rear CCITT G4 Format (200 DPI) 2.7.2.     Front Image JPEG Format (100DPI) 2.7.3.     Front UV Image (Inverted CCITT G4 Format 200 DPI)   High-value items (500,000.00 and above) will be transmitted to PCHC with corresponding UV Image. If dishonored with service charge however, the resulting reduction in the amount (below 500,000.00) will no longer require sending of the UV Image .   Member/Participant Banks must ensure that their equipment meets the requirements of the Image Quality Assurance (IQA) standards. The 1st level IQA should be at the point of capture for immediate detection of exceptions. The PBM shall perform 2nd level IQA tests to validate all captured images transmitted by the banks.     Sec. 3 – PREPARATION OF OUTWARD CLEARING ITEMS   3.1.         Presenting Bank’s Due Diligence Requirements   Clearing and settlement will be done based on image and electronic payment information. Hence, it is the responsibility of the Presenting Bank to ensure that captured images of the Checks meet the Image Usability Requirement. This is necessary for the Drawee Bank to exercise ‘Pay’ and ‘No Pay’ decision. Likewise, it may help the Drawee Bank to detect any fraud, forgery or tampering apparent on the face of the instrument that can be verified with due diligence and ordinary care.   Member/Participant Banks must enforce strict KYC ( Know Your Customer ) standards and procedures in order to protect the integrity of the image-based Check clearing system.  The banks should observe all precautions. e.g. to check the minimum security standards set in the Check paper, apparent tenor of the instrument, physical feel of the instrument, any tampering visible to the naked eye with reasonable care, etc. For enhanced attention, based on exceptions, the banks may employ suitable risk management techniques like scrutiny of high value transactions; limit-based checking by officials, new accounts alerts, etc. The Presenting Bank takes full responsibility for collecting on behalf of the intended payee and exercises due diligence in accordance with the conditions set forth in the CICS Rules and Regulations (CICS RR) and accompanying guidelines.   3.2.        Physical Check/ Instrument Capture   Image and MICR code line of a Physical Check/Instrument when captured by scanners/devices must meet the Image Usability Requirement.   3.3.        Unique Identification Code (UIC)   UIC must be generated and printed at the back of the Check/ instrument or electronically imposed on the dorsal image of the Check.   UIC information will be included in the ICL File that will be transmitted by the Presenting Bank to the CICS.     3.4.        Data Entry   The Front-end solution of the Presenting Bank shall have the capability of amount data entry and correction/completion of MICR details misreads. All items with corrected MICR details must be properly tagged in the ICL File by the Front-end solution to alert the Drawee Bank of the corrections effected manually during capture on the MICR details.    3.5.        Re-clearing of Checks   Any Check that is eligible for re-deposit can be re-cleared once with the original Presenting Bank under the same depository account. The Front-end solution of the Presenting Bank should be able to likewise tag this item in the ICL File for the information of the Drawee Bank.   3.6.        BRSTN Register Updating   The BRSTN master table shall be automatically updated by PCHC in the Bank’s PBM. Member/Participant Banks shall update its Front-end/capture system accordingly.   3.7.        Preparation and Submission of Outward Transactions   The Presenting Bank shall ensure that:   3.7.1. The Checks are compliant with the minimum security standards prescribed under the amended Check Design Standards and Specifications as well as other internal/security controls prior to acceptance.   3.7.2.  The account number of the depositor/payee is legibly written on the portion below the depositor’s signature/payee’s endorsement on the dorsal portion of the Check.   3.7.3.  The said account number is correct and tallies with the depository account number.   3.7.4.  The account number is not obscured by any markings/stamp affixed on the Check’s dorsal side.   3.7.5.   The UIC appears on the dorsal side of the Check or electronically imposed on the dorsal images of the check   3.7.6. If a returned Check is sent for re-clearing, a 2nd presentment stamp shall be affixed by the Presenting Bank on the dorsal portion of the physical Check   3.7.7.  Outgoing items to be captured should be classified and batched accordingly, to wit:   3.7.7.1.     Regular CICS items 3.7.7.2.     Checks payable to the BIR 3.7.7.3.     Checks payable to the BOC 3.7.7.4.     Checks for re-clearing 3.7.7.5.     Work Type 7 (IQA Failed Items) 3.7.7.6.     Work Type 8 (for items presented via Mobile Check Deposit)   3.7.8.    Batch size in an ICL File shall be limited to 100 items or less   3.7.9. The front and rear images of the Check and the MICR code line data are captured within groupings referred to as batches.   3.7.10. At the point of Check processing and scanning of the rear of each document, the Presenting Bank’s capture device will print an endorsement line i.e. Unique Identification Code (UIC).  Such info shall also be included in the electronic Check data to be transmitted to the CICS.   3.7.11. The Front-end system of the Presenting Bank shall perform the Image Quality Assurance (IQA) Tests to all the captured images in order to assure its usability.   3.7.12.  All outward batches   presented to the CICS are balanced.  The MICR Code line correction must have been carried out to ensure that all MICR data are present and amount entry made to assign an amount electronically to each Check.  Any correction done on the pre-qualified MICR Code Line must be tagged to caution the Drawee Bank.    3.7.13. Once balanced, batches are converted into its equivalent ICL File in accordance with the published standard as defined in the recently released PBM Technical Specifications prior to their transmission/ submission to the CICS. A batch can contain a maximum of 100 items.   3.7.14.  The Presenting Bank Front-end solution must observe the rules for the generation of ICL Files, i.e.  ICL File can contain multiple batches at a maximum of 200 items.   3.7.15.  The Front-end system will submit the generated outward ICL File to the Participant Bank Module (PBM) embedded within its own system for preliminary validation and transmission.   3.8.        Frequency of Submission   It is recommended that Member/Participant Banks submit ICL Files to the CICS every so often in order not to clog the lines particularly in the last hour before cut-off .                         3.9.        Alternative Delivery Media   For contingency , the files in the PBM that fail to be transmitted to CICS can be copied to an alternative media such as a CD, USB or any type of removable disks. Files delivered by a bank to PCHC thru the use of storage media for uploading shall be accepted subject to the same acceptance criteria as those for files received via a communications link . This contingency procedure requires previous confirmed notification with PCHC and similarly subject to the usual 4:30 PM cut-off.   3.10.      Image Cash Letter (ICL) Files accepted by the CICS   ICL Files received at the CICS will be initially validated by the Clearing House Module (CHM), an equivalent version of the PBM at the PCHC’s back-end.  Each ICL File will have its digital signature validated and decrypted if valid. This module will carry out structure and content validation and continue to accept and process when there is no exception. Accepted files are passed to the CICS where they are converted into inward ICL files for distribution to the Drawee Banks. When CICS accepts an outward ICL File, an acknowledgement file is automatically generated and sent to the originating PBM.    If the Primary PBM of the Drawee Bank is unavailable to receive Inward files, the Drawee Bank shall use the bank’s Secondary PBM upon request for reconfiguration.   Outward Return ICLs and Inward Return ICLs are similarly handled as described above.   3.11.       Item/s not Accepted by the CICS   If an item fails validation at the Presenting Bank’s PBM for any reason, that item will be rejected but remaining valid items will continue to be processed. The acknowledgment file generated will include the details of the rejected items and the reason for rejection thus the need for the Presenting Bank to verify the acknowledgment message. If an item fails validation at the Drawee Bank’s PBM, it will be automatically returned to the Presenting Bank. If all items are rejected, the ICL File will not be accepted.   3.12.      Balancing and Reconciliation   Member/Participant Banks should document the process flow and ensure establishment of control mechanisms. Special care and adequate quality controls should be in place during rescanning and re-clearing of Checks. The banks must have internal control reports at the end of each Regular/ Returns Presentment window to effectively reconcile the presentation made against the total credit in the clearing result for the day. Similar control should also be observed in validating inward transactions received against the total debit.  Reports showing the Total (count and values) Outward and Inward Clearing transactions are available at the PCHC web portal for reference. In case of discrepancy, the same should be resolved immediately. CICS Rules and Regulations as well as CICS Operating Memos provide mechanism to settle clearing discrepancy if needed. The service branches of the banks following distributed-outward model should refer to the branch clearing control reports for verification of actual credit received from PCHC.      SEC. 4 – PROCESSING AT THE PARTICIPATING BANKS MODULE:   OUTWARD (DEPOSITED CHECKS DRAWN AGAINST ANOTHER PARTICIPANT BANK/S)   4.1.         Participating Bank Module (PBM)   The CICS PBM server provides ICL Files validation as well as an interface for sending and receiving ICL Files from and to the CICS.   4.2.        Checking of Duplicate ICL   Any duplicate ICL File that is detected by the CICS Backend will be rejected in its entirety. An ICL File is considered a duplicate if the filename of the ICL File matches that of a previously processed ICL File.   In case of item duplication however, the duplicate item/s detected during CICS processing will be marked and included in a report generated after the 4:30 PM cutoff. Nevertheless, those duplicate items in the ICL File will be accepted and processed and it will be up to the Drawee Bank to validate and manually return those verified duplicates.   4.3.        Receiving Outward Presentment   The PBM will receive the duly balanced Outward clearing files containing Check image and electronic data from the Front-end system of the bank and will perform the required validations of the files prior to transmission to the CICS.     4.4.       Image Quality Assurance and Failure Handling   The CICS Backend subjects all images of the items in the Outward ICL Files to Image Quality Assessment (IQA). Any image failing validation will result in the rejection of the item with the reject details included in the acknowledgement file. The bank may rescan and resubmit as many times as necessary to meet the IQA requirements.   4.5.        Item Processing   The Outward Files transmitted by the PBM are centrally validated by the CICS Backend. After validation, the CICS Backend generates acknowledgement files, which contain information related to acceptance or rejection of each file and the items present in each file with appropriate reason codes.   4.6.       Reconciliation of Outward presentation   At the end of each Presentment Session (Regular and Return) at the PCHC, it shall be the responsibility of the Sending Bank to reconcile its total outward transactions vs. items processed by the CICS as listed in the web portal .   4.7.        Dishonored Checks/Re-clearing   The Presenting Bank safe-keeps all original paid Checks for 180-days from Payment Date. In case of return or dishonor, the Presenting Bank shall return the original unpaid Check to its client.  A Return Check Advice (RCA) bearing images of the Check shall support the returned Check. However, when the Drawee Bank returns a clearing item for the reason that it is a Duplicate or deems it a Counterfeit, it shall not return the Physical Original Check to the depositor. Instead, the Presenting Bank shall issue a RCA to the client but shall turn over the custody of the unpaid Check to the Drawee Bank in accordance with the procedure to be prescribed by PCHC.   4.7.1.   The Presenting Bank shall, as presently being practiced, affix a Return Stamp (format below) on the dishonored Check before it is released to the client.   REASON FOR RETURN INITIAL DATE                                              (1st return) 1.                                              (2nd return) 2.     4.7.2.   When the dishonored Check is re-deposited, a 2nd presentment stamp shall be affixed by the Presenting Bank at the dorsal side of the Check before it is captured and stored for safe-keeping. A second line UIC will either be printed on Check’s dorsal portion or electronically imposed by the Presenting Bank’s Front-end system on the dorsal image of the Check.     SEC. 5 – PROCESSING AT PARTICIPATING BANK MODULE: INWARD (CHECKS DRAWN AGAINST THE BANK)   5.1.         Receipt of Inward Data/Images   The inward processing deals with accepting data and images of Incoming Items from the CICS for onward push to the Drawee Bank’s PBM. The process also includes providing data in the form of files for use within the Drawee Bank’s in-clearing system. The Drawee Bank’s PBM will receive digitally signed inward electronic data and image exchange files from the CICS in the form of ICL.   5.2.        Validation   The Primary PBM of the Drawee Bank shall authenticate and load the exchange file data into the system. The CICS Backend will send an acknowledgement exchange file to the Sending Bank if the inward electronic data and image exchange files are accepted.   5.3.        Balancing and Reconciliation   The Drawee Bank should verify that all the items in the Inward ICL Files are received to ensure that there is no data loss in the transmission from the CICS to its PBM. The Drawee Bank will not be able to generate posting files unless all the inward items are actually received at the Primary PBM. If any file is lost in transmission, the Drawee Bank may login to the web portal and search for the missing inward ICL. Once located, Drawee Bank may click the link (which say, “re-send inward ICL”) or simply request PCHC for retransmission of images/data of the lost/missing file.   5.4.        Generation of Posting File (Magtape Transaction File)   Banks may either use the inward ICL Files in uploading data into their CASA or make use of the Magtape Transaction File (MTF) generated at the PBM. MTF generated from CICS has the same file structure with the previously ECCS-generated file except that it is bank-level and unfiltered (regular and return transactions are merged).   5.5.        Digital Certificate Validation   PBM of the Drawee Bank shall verify the digital certificate of PCHC.   5.6.        Payment Processing   The Drawee Bank shall do the payment processing based on the image and electronic data of the Checks following all the prudent practices including signature verification, account balance verification, and electronic payment information examination.   5.7.        Dishonored Checks   Items that are not honored must be returned to the CICS in electronic format within the prescribed period as set by PCHC and announced to the banks ( Prescribed Period ).   For return items, the images are also included in the return ICL File ( front and rear CCITT, front JPEG, and for high-value items, the UV image ).   Return items are to be marked with the appropriate return reason (code) as provided for in Section 7 of this Operating Memo. Return Image Cash Letters (ICLs) are to be transmitted to the CICS via the Drawee Bank’s PBM where the files will be encrypted and digitally signed and sent to the CICS. CICS shall accept the transmitted files or items if they meet the necessary validation criteria. Invalid items will be rejected by the CICS Backend for the Presenting Bank’s correction.    Return ICLs received by the CICS will be validated and an acknowledgment shall be issued to the generating Drawee Bank indicating their acceptance or rejection. Return items accepted by the CICS will be passed to the Presenting Bank‘s Primary PBM in an Inward Return ICL and an appropriate posting made to the settlement system.   Any return item not received by the CICS within the Prescribed Period will be treated as an honored item and accordingly the settlement files will be prepared and posted.     SEC. 6 – SPECIFICATIONS FOR ELECTRONIC EXCHANGE OF CHECKS   The following section describes the types of Image Cash Letter (ICL) Files.   All items in an ICL File must be of the same type:  outward items; return items; or archive-only items.  Items in an ICL File must not be co-mingled.   ICL File must contain items of the same currency: Philippine Pesos or U.S. Dollars (when local US Dollar Clearing becomes available).   In addition, the items within the ICL File must have valid work types for the type of ICL.  The valid items within an ICL File are:   ICL Type Currency Item Work Types Allowed Regular or Return Philippine Peso CICS (Normal, BIR or BOC), Non-CICS (Normal, BIR or BOC), Work Type 7 (IQA Fail Items), Work Type 8 (Items presented via Mobile) Archive-Only Philippine Peso CICS (Normal), Non-CICS (Normal), Work Type 7(IQA Fail Items)   Note 1:  Normal indicates Checks that are not BIR or BOC. Note 2:  Archive-Only batches are batches containing On‑us items sent in an ICL File for archive only; they are not distributed to other banks, so are not returned, and are not included in settlement totals. Note 3: Work Type 8 are clearing items presented via Mobile Check Deposit   6.1.         Regular ICLs   Each Outward ICL File that is accepted by the CICS is assigned a settlement session, date and window by the CICS.  The settlement window is always set to ‘Forward’.  The settlement session is set to 1 and the settlement date is set as follows:   6.1.1.   ICL Files received before the cut-off time of the Regular Presentment Session  ( 4:30 PM of  Day 1 ) will be processed for settlement within Day 1  ( i.e., included in the 4:30 PM Netting Summary to be sent to BSP for Settlement on Day 1 ).   6.1.2.   ICL Files received after the cut-off time of the Regular Presentment Session ( 4:30 PM of Day 1 ) will be processed for settlement on the Next Clearing Day ( These Inward ICLs, which shall be pushed to the Drawee Bank PBM on Day 1,   shall bear the Regular Presentment Session date  of the Next Clearing Day and they shall not be included  in the 4:30 PM Netting Summary of Day 1 to be sent to BSP ).   Each item in an Outward ICL File is assigned a Return Presentment Cut-off.  This is used by the CICS to validate and accept returns only if they are received prior to the cut-off time for the corresponding settlement date.   6.2.        Return ICLs   Each Outward Return ICL File that is accepted by the CICS is processed for settlement as follows:   6.2.1.   Return ICL Files received before the cut-off time of the Regular Presentment Session ( 4:30 PM of Day 1 ) will be processed for settlement within Day 1. They shall have zero effect and thus have no impact on the 4:30 PM Netting Summary of Day 1 to be sent to BSP for Settlement;   6.2.2.   Return ICL Files received after the cut-off time of the Regular Presentment Session ( 4:30 PM of Day 1 ) but before the Returns Presentment Cut-off Time ( or the AM Return Cut-off of 8:00 AM of the Next Clearing Day ) on the Next Clearing Day will be processed with settlement value date Day 2.    6.2.3.    Return of a Clearing Item via the PM Adjustment Window will NOT generate an ICL (since this is outside of CICS). However, its posting to the bank’s DDA is on Day 1.   Each item in a Return ICL File is validated by the CICS to ensure that it is received prior to the cut- off time pertaining to the presented Regular Item.   6.3.        Archive Only ICLs   Member/Participant Banks may submit to PCHC On-us checks/ICLs for Archive-Only. PCHC will issue separate operating memo for this service.   6.4.       Additional Work Type for all ICL Types   The additional Work Type 7 provides means for exception items failing the IQA test for all ICL types like foreign drafts and rejected BIR payments to be processed and pass through the workflow of CICS thus giving the paying bank an opportunity to exercise Pay or No Pay decision.     Sec. 7 – Return Reason Codes   A Return Item may or may not be eligible for re-clearing, depending on the Return Reason, as indicated in the table below:   Return Reason Code Description Usage Tran Code Re-clearing R=Allowed N=Not Allowed 1 Drawn against insufficient funds To return an unfunded clearing item 14 R 2 Drawn against uncollected deposit To return a clearing item which source of funding unsuccessfully collected 14 R 3 Drawn against  a closed  account To return a clearing item issued from already closed account 24 N 4 Account is non-existent To return a clearing item which account has no match in the system 24 N 5 Payment thereof has been stopped – Funded To return a clearing item with outstanding stop payment order from the issuer whose account has sufficient available funds 14 N 6 Payment thereof has been stopped-Unfunded To return a clearing item with outstanding stop payment order from the issuer whose account has no available funds 14 N 7 Invalid Image Hash Value To return a clearing item which was flagged by the FES to bear invalid image hash value 24 R 8 Post-dated check To return a clearing item which date is later than the actual deposit/presentation 24 R 9 Stale-dated check To return a clearing item dated beyond 179 days upon presentment to the depository bank and is not a bank-issued check. 24 N A Out-of-date To return a clearing item which date is either invalid, non-existent, or missing month, or day, or year. 24 N B Counterfeit check To return a clearing item deemed missing characteristic/s of a genuine check 24 N C 3rd presentment and subsequent dishonor To return a clearing item which is already beyond the presentment limit and drawee bank chose to dishonor 24 N D Amount in words and in figures differs To return a clearing item which amount in words and in figures do not match 24 N E Documentary Stamp Missing (for foreign checks converted to Peso) Deleted 24 R F Account under garnishment or covered by Hold/Freeze/Conservatorship/Receivership Order To return a clearing item which is drawn against an account with an outstanding hold/freeze order or in Conservatorship or in Receivership 24 R G Validity Restricted To return a clearing item which is no longer negotiable effective on the period indicated on its face counting from the date of issue 24 N H Deceased Depositor To return a clearing item of which death of the account holder has already been reported 24 N I Previously Negotiated Check/Cancelled Check To return a clearing item which is either previously paid by the Drawee Bank or already cancelled by the issuer 24 N J Bank has declared a self-imposed holiday To return a clearing item drawn against a bank that is no longer a clearing participant temporarily or permanently 24 R K Fortuitous Event/Civil Disturbance/Bank Strike To return a clearing item due to technical issues that cannot be verified by H.O. due to ongoing fortuitous event or chaos rendering branch of account inoperable 24 R L Refer to Drawer/Issuer: Merged bank/Conduit Agreement Terminated To return a clearing item no longer honored by the Drawee Bank due to merging or termination of Conduit Agreement as previously announced via MC. 24 N M Untagged BIR/BOC Check To return a clearing item for the account of BIR/BOC but transmitted untagged as such 24 R N Miscleared To return a missent clearing item intended for another participant 24 R O No Advice on File To return a clearing item issued by a gov’t. bank not covered by an advice 24 R P Differs from Advice (Payee, Date, Serial Number or Amount) To return a clearing item issued by a gov’t. bank which does not match to the Advice 24 R Q Mismatched Image and Data To dishonor a clearing item for reprocessing of the Sender Bank to rectify error in Account Number. 24 R R Refer to Issuer: Old Format Check To return a clearing item not compliant to CICS standards and not covered by exceptions in the PCHC Advisory 24 N S Duplicate Check Detected by CICS To manually return a clearing item detected by CICS as duplicate after validation of the drawee bank. 24 N T Image Usability Failure To return a clearing item for reprocessing of the Sender Bank, rectifying blurry, skewed, too-dark, too-light or cropped image/s 24 R U Piggy Back Image To return a clearing item for reprocessing of the Sender Bank, rectifying images belonging to 2 different items 24 R V With Alteration-date To return a clearing item which date is altered 24 N W With Alteration-payee To return a clearing item which payee is altered 24 N X With Alteration-amount in figures To return a clearing item which amount in figure is altered 24 N Y With Alteration-amount in words To return a clearing item which amount in words is altered 24 N Z With Alteration-signature To return a clearing item which signature is altered 24 N a With Alteration-account name To return a clearing item which account name is altered 24 N b With Alteration-account number To return a clearing item which account number is altered 24 N c With Alteration-check number To return a clearing item which check number is altered 24 N d With Alteration-pre-qualified MICR characters To return a clearing item which MICR code line is altered 24 N e Missing Date To return a clearing item without a date of issue 24 R f Missing Payee To return a clearing item without a payee 24 R g No Amount in Figures To return a clearing item without amount in figures 24 R h No Amount in Words To return a clearing item without amount in words 24 R i Missing Signature of Drawer To return a clearing item without the drawer signature 24 R j Lack of Signature (Number of signatures required) To return a clearing item which require more signature/s 24 R k Bears forged signature of the drawer (s) To return a clearing item which signature/s is deemed forged 24 N l Unauthorized drawer’s signature To return a clearing item which signatory is not currently authorized or beyond the authorized amount 24 N m Signature differs To return a clearing item which drawer’s signature does not match on file 24 N n Exceeds authority limit To return a clearing item which parameter/s goes beyond expressly authorized by the account 14 N o DAIF/DAUD-1 Thousand Pesos  and below To return a clearing item due to funding issues but amount is less than the service charge to be automatically deducted 24 R p Payment Stopped-funded-1 Thousand Pesos  and below To return a clearing item due to outstanding stop payment order but amount is less than the service charge to be automatically deducted 24 N q Payment Stopped-unfunded-1 Thousand Pesos  and below To return a clearing item due to outstanding stop payment order but amount is less than the service charge to be automatically deducted and is unfunded 24 N r Amount in Words and Figures differ-1 Thousand Pesos  and below Deleted 24 N s Other Technicalities-1 Thousand Pesos and below To return any other Technical Defects subject to service charge but check amount is less than the service charge to be automatically deducted 24 N t Per Instruction of BSP To return a clearing item per BSP Directive – either to exclude the participant in CICS or limit value to be cleared/settled 24 R u Indicated Payee Company or Person includes a combined ‘ Pay To Cash ’ option, i.e. Payee Name/Cash , Payee Name or Cash To return a clearing item deemed technically defective with the indication of Payee Name/Cash  or Payee Name or Cash 24 N v Re-clearing of a non-representable dishonored item To return a clearing item previously dishonored with a non-representable reason 24 N w Drawn Against Dormant Account To return a clearing item drawn against an account already flagged as dormant per Client-Bank Agreement 24 R x Re-clearing of a Check by a bank other than the original presenting bank To return a clearing item which presentment violates the re-clearing limitation that only the same Presenting Bank/Account re-clears 24 N y Penalty Charges Waived/Cancelled To return other clearing items (CS/SCR) after the Sender Bank agreed its cancellation 24 R z Wrong Account Name To return a clearing item which Account Name indicated does not match the system 24 N   Revisions in Section 7 ( Return Reason Code ) of this Operating Memo shall require corresponding updates to the PBM Specs to be deployed to servers.   2.  Should you need further clarification, feel free to call our Service Help Desk at 8537-2700 ( look for Anthony Manongas, or Hector Lasaleta or Erick Garcia ).   3.      This memo supersedes CICS OM No.   18-026 dated December 13, 2018 . 1  – Day 1 is the date of processing of a Regular Clearing Item (RCI) by the Drawee Bank via CICS for settlement or netting purposes for the day; it is the first day of a regular clearing cycle . [2]  - W ith the effectivity of BSP Circular 1180 on March 6, 2024, Morning Returns will be posted on Settlement Day (Day2) and as such, the AM Adjustment Window has ceased to exist and replaced with “PM Adjustment Window” which shall start immediately after the 4:30 PM cut-off of Day1 and ends at 5:15 PM also of Day1.   [3]   – Returns Presentment Cut-off Time is the deadline set by the BSP and implemented by PCHC for the banks to transmit dishonored items via CICS. As provided in Annex A of BSP Circular No. 986 (Series of 2017)  effective 15 calendar days after publication (i.e. on January 10, 2018 in the Philippine Star), the  Returns Presentment Cut-off Time is  8:00 AM of the Next Clearing  Day (with reference to Day 1). However, upon effectivity of BSP Circular 1180 on March 6, 2024, posting of AM Returns Settlement to participant banks’ DDA shall be on Day2 (Settlement Date).

PESONet MC No. 25-180 PDDTS MC No. 2025-122 PAS MC No. 2025-035                                                                                       May 26, 2025   T O      :           All Clearing Banks/Institutions   R E       :           NO CLEARING AND SETTLEMENT ON JUNE 06, 2025                         1.      With reference to Peso RTGS Advisory No. BPU-2025-020 dated May 23, 2025; PCHC clearing operations shall likewise be closed on June 06, 2025  (Friday) in view of Proclamation No. 911 issued by Malacañang.   2.      Consequently, the processing cut-off for Morning Returns on June 06, 2025 shall be extended until 8:00 AM of June 09, 2025 (Monday).   3.      Meanwhile, CICS and PESONet platforms shall remain accessible 24/7 to accept transmitted transactions for settlement on June 09, 2025 when PhilPaSSPlus resumes its business operations.   4.      PAS6 will remain open and accessible but other services such as PDDTS RTGS/PvP and PDDTS-EOD shall be closed.   5.      Please be guided accordingly.

May 19, 2025 TO : All Clearing Banks/Institutions RE : PCHC BOARD OF DIRECTORS AND OFFICERS FOR 2025-2026 1. At the Regular Annual Stockholders' Meeting of the Philippine Clearing House Corporations (PCHC) held on May 15, 2025, the following were unanimously elected DIRECTORS of the Corporation for the current term 2025- 2026: No. Name Bank/Institution Name 1. Joseph A. Gotuaco BAP/BDO Unibank, Inc. 2. Elfren Antonio S. Sarte Bank of the Philippine Islands 3. Reynaldo C. Burgos Philippine National Bank 4. Rhoneil S. Fajardo Deutsche Bank 5. Alan V. Bornas Land Bank of the Philippines 6. Ramon G. Duarte Unionbank of the Philippines 7. Emmanuel E. Barcena Philippine Clearing House Corporation 8. Maria Corazon S. Remo Independent Director 9. Dennis B. Velasquez Independent Director 10. Margarita B. Lopez Independent Director 11. Henry T. Pelaez Independent Director 2. At the Organizational Meeting held the same day, the following were elected OFFICERS of the Corporation for 2025-2026, viz: Joseph A. Gotuaco - Chairman Emmanuel E. Barcena - President & CEO Elfren Antonio s. Sarte - Treasurer Merlyn E. Dueñas - Corporate Secretary 3. For information and guidance.

May 16, 2025 TO : All Clearing Banks/Institutions RE : 1. NEW CLEARING PARTICIPANTS/BRSTN REGISTER UPDATES 2. ADVISORY FROM NEW RURAL BANK OF SAN LEONARDO (N.E.), INC. 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 SBC - Bacolod Locsin 04014-007-2 Gaisano Grand City Central Bacolod, Locsin Street, Brgy. 13, Poblacion, Bacolod City SBC - Calamba - Turbina 31014-017-1 Olivarez Plaza, Pan Philippine Hi-way, Milagrosa, Calamba City, Laguna BDO - Pangasinan - Pozorrubio 05053-026-1 MacArthur Highway, Brgy. Cablong, Pozorrubio, Pangasinan 2435 BDO - Waltermart - Arayat 06053-040-0 Ground Floor, Waltermart Arayat, Jose Abad Santos Avenue, Brgy. San Jose Mesulo, Arayat, Pampanga BDO - SM City Laoag 17053-005-7 UG/F, Area Code 1011-1012, 1019, SM City Laoag, Airport Road, Brgy. 51 - B, Nangalisan West, 2900 Laoag City, Ilocos Norte BDO NB - Cebu - Cordova 02118-018-7 G/F, Cordova Town Square, Juan Sitoy St., Brgy. Poblacion, Cordova, Cebu BDO NB - Maguindanao del 27118-005-0 G/F, SK Commercial Bldg., National Highway, Brgy. Bulalo, Norte - Sultan Kudarat Sultan Kudarat, Maguindanao del Norte TBPI - Taboan Business Center 02145-002-4 18 C. Padilla Street, Taboan, Cebu City RBDI - Head Office 03151-001-9 #2964 EDD Bldg., Zone III Rizal Avenue, Digos City, Davao del Sur RBPPI - Sta Rita 06158-013-2 Calzon Building, Brgy. San Matias, Santa Rita, Pampanga 1.2. Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 01014-008-6 SBC Padre Rada Sta. Elena 01014-012-5 SBC Pasay Pasay Libertad 01014-016-7 S BC Greenhills Annapolis-Greenhills 01014-058-1 SBC New Divisoria Divisoria-Sto. Cristo 01014-064-6 SBC Ortigas Banking Center Ortigas-Greenhills 01014-119-5 SBC karuhatan Karuhatan 01014-120-5 SBC Reposo - JPRizal Reposo - J.P. Rizal 01014-121-8 SBC Pasong Tamo - Don Bosco Chino Roces - Don Bosco 01014-169-0 SBC MOB Ayala Ayala - Rufino 02014-008-9 SBC A.S. Fortuna Cebu - A.S. Fortuna 02014-009-2 SBC North Mandaue Mandaue - North Road 02014-014-4 SBC Princetown Danao Cebu Danao - Princetown 03014-001-1 SBC Davao Davao - Main 03014-003-7 SBC Panabo Davao - Panabo 04014-001-4 SBC Bacolod Bacolod - North Drive 06014-006-5 SBC SFO - Dolores San Fernando-Dolores 08014-001-6 SBC Iloilo Iloilo - Ledesma 08014-002-9 SBC La Paz Iloilo - Iznart 10014-001-9 SBC Cagayan De Oro CDO-Osmena 64014-001-6 SBC Maasim Maasin 01035-121-5 LBP – P. Ocampo Malate, Manila G/F Burgundy Westbay Tower, 820 P. Ocampo Street, Barangay 719, Malate Manila 08035-014-9 L BP – Barotac Nuevo Iloilo Barotac Nuevo - Zarraga Road, Branch - Lite Barangay Tabucan Barotac Nuevo, Iloilo, 5007 12035-001-2 LBP Baguio City – Baguio City Baguio – 1/F Landbank Baguio Corporate Center No. 85 Harrison Road, Barangay Harrison - Carantes - Claudio, Baguio City, Benguet, 2600 55035-002-2 LBP Koronadal - Roxas – Koronadal – CityMall Commercial Koronadal City Center, Inc. GSD, Purok Martinez, Zone IV, City of Koronadal, South Cotabato 06112-005-5 CBS – Macabebe Macabebe, Pampanga G/F D.H. Polintan Building, Poblacion, Brgy. San Gabriel, Macabebe, Pampanga 1.3. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective at 9:00 AM, May 16, 2025. 2. In a letter dated March 27, 2025, Mr. Marcelo N. Jampil, SVP of the New Rural Bank of San Leonardo (N.E.), informed that the bank has terminated its NOW accounts with Land Bank of the Philippines (LBP). As such, the bank no longer honor its issued Checks bearing the following LBP BRSTNs: 13035-006-0 and 13035-003-1. New Rural Bank of San Leonardo (NRBSL) has provided already its clients with checkbook bearing its own BRSTN identified by light orange background. NRBSL (Bank Code 150) is already a direct participant (Clearing Subscriber) since November 04, 2024. 3. For your information and guidance.

PESONet MC No. 25-179 PDDTS MC No. 2025-121 PAS MC No. 2025-033                                                                                       May 07, 2025   T O      :           All Clearing Banks/Institutions   R E       :           NO CLEARING AND SETTLEMENT ON MAY 12, 2025                         1.      With reference to Peso RTGS Advisory No. BPU-2025-018 dated May 06, 2025; PCHC clearing operations shall likewise be closed on Monday , May 12, 2025  in view of Proclamation No. 878 issued by Malacañang.   2.      Consequently, the processing cut-off for Morning Returns on May 12, 2025 shall be extended until 8:00 AM of May 13, 2025.   3.      Meanwhile, CICS and PESONet platforms shall remain accessible 24/7 to accept transmitted transactions for settlement on May 13, 2025 when PhilPaSSPlus resumes its business operations.   4.      PAS6 will remain open and accessible but other services such as PDDTS RTGS/PvP and PDDTS-EOD shall be closed.   5.      Please be guided accordingly.

May 02, 2025 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 METRO - Boni Ave. - Plainview 01026-461-6 642 Boni Avenue Brgy. Plainview, Mandaluyong City BDO NB - Batanes - Basco 23118-010-0 National Road, Brgy. Kayhuvokan, Basco, Batanes BDO NB - Antique - Libertad 69118-008-3 G/F, Units 3-5, Commercial Bldg., National Road, Brgy. Centro Este, Libertad, Antique BDO NB - Sultan Kudarat - President Quirino 74118-008-5 G/F, Public Market Bldg., National Highway, Brgy. Poblacion, President Quirino, Sultan Kudarat PSBC - Lala 18122-002-6 DLY III Building, Maranding Lala, Lanao del Norte CLRB - Tanjay 20144-001-6 Brgy. Poblacion 5, Rizal Street, Tanjay City, Negros Oriental 1.2 Relocation/Change in Branch Name and/or Address BRSTN BANK/BRANCH NAME FROM TO 09011-001-0 PBCOM Zamboanga City – Zamboanga - Canelar – G/F RHW Zamboanga City Building, Mayor Jaldon Street, Brgy. Canelar, Zamboanga City 03118-046-5 BDO NB Davao de Oro Montevista Davao de Oro- Montevista  – Purok 6, – Davao de Oro Brgy. San Jose, Montevista, Davao de Oro 16118-008-9 BDO NB Albay Guinobatan – Albay - Guinobatan – General Ola Guinobatan, Albay Road, Iraya, Guinobatan, Albay 29118-001-4 BDO NB Aklan Kalibo – Kalibo, Aklan-Kalibo – G/F, CLC Bldg., Roxas Aklan Avenue, Poblacion, Kalibo, Aklan 32118-005-2 BDO NB Ilocos Sur Cervantes – Ilocos Sur - Cervantes – G/F, Cervantes, Ilocos Sur Commercial Bldg., Bona St., Brgy. Rosario, Cervantes, Ilocos Sur 55118-006-8 BDO NB South Cotabato Sto Nino South Cotabato - Sto Nino–Block 4 – Sto. Nino, South Purok Mercado, Brgy. Poblacion, Sto. Cotabato Nino, South Cotabato 1.3. Deletion of the following branch/es BANK BRANCH NAME BRSTN RCBC-SB - JP Rizal 01060-012-8 RCBC-SB - Magsaysay Naga BC 07060-003-2 RCBC-SB - Legazpi Bus Ctr 16060-001-0 RCBC-SB - Nasugbu Business Ctr 19060-008-0 RCBC-SB - San Pedro 31060-006-4 MCCB - Bayugan 30191-002-2 2. Pursuant to CICS OM No. 17-004 dated 18 January 2017, the aforementioned updates will be implemented effective at 9:00 AM, May 02, 2025. 3. For your information and guidance.

By April 10, 2025 , there are 121 Active PESONet Participant Banks/EMIs PESONet PARTICIPANT BANKS/ELECTRONIC MONEY ISSUERS By April 10, 2025 121 Active Participants and 2 Inactive Participants No. CODE INSTITUTION NAME PESONetBRSTN BIC 1. 004 BANK OF THE PHILIPPINE ISLANDS 01004-001-8 BOPIPHMMXXX 2. 005 STANDARD CHARTERED BANK 01005-001-1 SCBLPHMMXXX 3. 006 THE HONGKONG & SHANGHAI BANKING CORPORATION 01006-001-4 HSBCPHMMXXX 4. 007 CITIBANK, N. A. 01007-001-7 CITIPHMXXXX 5. 008 PHILIPPINE NATIONAL BANK 01008-001-0 PNBMPHMMXXX 6. 009 PHILIPPINE TRUST COMPANY 01009-003-9 PHTBPHMMXXX 7. 010 CHINA BANKING CORPORATION 01010-001-3 CHBKPHMMXXX 8. 011 PHILIPPINE BANK OF COMMUNICATIONS 01011-001-6 CPHIPHMMXXX 9. 012 BANK OF AMERICA, N.A. 01012-001-9 BOFAPH2XXXX 10. 014 SECURITY BANK CORPORATION 01014-001-5 SETCPHMMXXX 11. 022 MAYBANK PHILIPPINES, INCORPORATED 01022-001-6 MBBEPHMMXXX 12. 023 QUEEN CITY DEVELOPMENT BANK, INC. 01023-001-9 QCDFPHM1XXX 13. 026 METROPOLITAN BANK AND TRUST COMPANY 01026-999-6 MBTCPHMMXXX 14. 027 UNITED OVERSEAS BANK LIMITED, MANILA BRANCH 01027-034-1 UOVBPHMMXXX 15. 028 RIZAL COMMERCIAL BANKING CORPORATION 01028-001-4 RCBCPHMMXXX 16. 033 PHILIPPINE VETERANS BANK 01033-001-6 PHVBPHMMXXX 17. 035 LAND BANK OF THE PHILIPPINES 01035-002-5 TLBPPHMMXXX 18. 036 AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILIPPINES 01036-001-5 AIIPPHM1XXX 19. 041 UNION BANK OF THE PHILIPPINES 01041-999-5 UBPHPHMMXXX 20. 044 BANK OF COMMERCE 01044-001-6 PABIPHMMXXX 21. 046 MUFG BANK, LTD. 01046-001-2 BOTKPHMMXXX 22. 047 PHILIPPINE SAVINGS BANK 01047-099-2 PHSBPHMMXXX 23. 049 UCPB SAVINGS BANK 01049-992-8 UCSVPHM1XXX 24. 053 BDO UNIBANK, INC. 01053-066-7 BNORPHMMXXX 25. 054 BANKO, A SUBSIDIARY OF BPI 01054-001-3 BPDIPHM1XXX 26. 056 MEGA INTERNATIONAL COMMERCIAL BANK CO., LTD. 01056-001-9 ICBCPHMMXXX 27. 059 DEVELOPMENT BANK OF THE PHILIPPINES 01059-001-8 DBPHPHMMXXX 28. 062 EAST WEST BANKING CORPORATION 01062-001-4 EWBCPHMMXXX 29. 064 MIZUHO BANK, LTD. 01064-001-0 MHCBPHMMXXX 30. 065 DEUTSCHE BANK AG 01065-001-3 DEUTPHMMXXX 31. 067 BANGKOK BANK PUBLIC CO., LTD. 01067-001-9 BKKBPHMMXXX 32. 069 CTBC BANK (PHILIPPINES) CORPORATION 01069-001-5 CTCBPHMMXXX 33. 070 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED 01070-001-5 ANZBPHMXXXX 34. 071 KEB HANA BANK-MANILA BRANCH 01071-001-8 KOEXPHMMXXX 35. 072 JPMORGAN CHASE BANK, N.A. 01072-001-1 CHASPHMMXXX 36. 078 FIRST CONSOLIDATED BANK, INC. (A PRIVATE DEVELOPMENT BANK) 02078-001-2 FIOOPHM1XXX 37. 082 MALAYAN SAVINGS BANK, INC. 01082-001-8 MAARPHM1XXX 38. 096 EQUICOM SAVINGS BANK, INC. 01096-001-7 EQSNPHM1XXX 39. 097 PHILIPPINE BUSINESS BANK, INC., A SAVINGS BANK 01097-001-0 PPBUPHMMXXX 40. 102 ASIA UNITED BANK CORPORATION 01102-001-1 AUBKPHMMXXX 41. 107 ROBINSONS BANK CORPORATION 01107-001-6 ROBPPHMQXXX 42. 112 CHINA BANK SAVINGS, INC. 01112-999-6 CHSVPHM1XXX 43. 113 YUANTA SAVINGS BANK, PHILIPPINES, INC. 01113-001-1 TYBKPHMMXXX 44. 114 BANK OF CHINA (HONG KONG), LIMITED-MANILA BRANCH 01114-001-4 BKCHPHMMXXX 45. 118 BDO NETWORK BANK, INC. (A RURAL BANK) 03118-997-4 ONNRPHM1XXX 46. 119 STERLING BANK OF ASIA, INC. (A SAVINGS BANK) 01119-001-9 STLAPH22XXX 47. 120 WEALTH DEVELOPMENT BANK CORPORATION 02120-005-4 WEDVPHM1XXX 48. 121 BANK OF MAKATI (A SAVINGS BANK), INC. 01121-001-2 MKRUPHM1XXX 49. 122 PRODUCERS SAVINGS BANK CORPORATION 01122-001-5 PSCOPHM1XXX 50. 124 CITY SAVINGS BANK, INC. 01124-999-9 CIVAPHM1XXX 51. 128 SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH 01128-001-3 SMBCPHMMXXX 52. 129 ALLBANK (A THRIFT BANK), INC. 01129-001-6 ALKBPHM2XXX 53. 130 SHINHAN BANK-MANILA BRANCH 01130-001-6 SHBKPHMMXXX 54. 131 INDUSTRIAL BANK OF KOREA MANILA BRANCH 01131-001-9 IBKOPHMMXXX 55. 132 CATHAY UNITED BANK CO., LTD. - MANILA BRANCH 01132-001-2 UWCBPHMMXXX 56. 136 RURAL BANK OF MANGALDAN, INC. 05136-001-6 RUMNPHM1XXX 57. 137 BANGKO NUESTRA SEÑORA DEL PILAR, INC. (A RURAL BANK) 06137-001-2 NSPRPHM1XXX 58. 139 GUAGUA RURAL BANK, INC. 06139-001-8 GRBUPHM1XXX 59. 140 BOF, INC (A RURAL BANK) 06140-001-8 BORRPHM1XXX 60. 142 ZAMBALES RURAL BANK, INC. 28142-001-4 ZARUPHM1XXX 61. 144 CEBUANA LHUILLIER RURAL BANK, INC. 01144-001-5 CELRPHM1XXX 62. 145 TOP BANK PHILIPPINES, INC. (A RURAL BANK) 01145-001-8 COUKPHM1XXX 63. 146 CAMALIG BANK, INC. (A RURAL BANK) 16146-001-3 RUCAPHM1XXX 64. 147 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRANCH 01147-001-4 ICBKPHMMXXX 65. 148 RURAL BANK OF GUINOBATAN, INC. 16148-001-9 RUGUPHM1XXX 66. 149 CANTILAN BANK, INC. (A RURAL BANK) 59149-001-9 CNRLPHM1XXX 67. 150 NEW RURAL BANK OF SAN LEONARDO (NUEVA ECIJA), INC. 13150-001-3 NRSLPHM1XXX 68. 151 RURAL BANK OF DIGOS, INC. 03151-001-9 RUDIPHM1XXX 69. 152 NETBANK (A RURAL BANK), INC. 29152-001-4 CUOBPHM2XXX 70. 153 DUMAGUETE CITY DEVELOPMENT BANK, INC. 20153-001-0 DCDEPHM1XXX 71. 156 MONEY MALL RURAL BANK, INC. 03156-001-4 MOMLPHM2XXX 72. 157 TONIK DIGITAL BANK, INC. 01157-001-1 TODGPHM2XXX 73. 158 RURAL BANK OF PORAC (PAMPANGA), INC. 06158-001-9 RUPPPHM2XXX 74. 159 MVSM BANK (A RURAL BANK SINCE 1953), INC. 01159-001-7 MVRSPHM2XXX 75. 160 BANGKO KABAYAN, INC. (PRIVATE DEVELOPMENT BANK) 19160-001-8 KARUPHM1XXX 76. 166 RURAL BANK OF BACOLOD CITY, INC. 04166-001-4 RUBCPHM2XXX 77. 167 BAYANIHAN BANK, INC. 14167-001-4 RUATPHM1XXX 78. 168 RURAL BANK OF ROSARIO (LA UNION), INC. 15168-001-0 RURUPHM2XXX 79. 169 RBT BANK, INC. A RURAL BANK 75169-001-5 RBRUPHM2XXX 80. 171 RURAL BANK OF SAGAY, INC. 04171-001-6 RUSYPHM2XXX 81. 174 LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) 31174-001-7 LPCRPHM2XXX 82. 175 RURAL BANK OF STA. IGNACIA, INC. 22175-001-6 RUSGPHM1XXX 83. 176 RURAL BANK OF LA PAZ, INC. 22176-001-9 RUPZPHM2XXX 84. 177 RURAL BANK OF LEBAK (SULTAN KUDARAT), INCORPORATED 74177-001-3 RLSKPHM1XXX 85. 178 RURAL BANK OF BAUANG, INC. 15178-001-7 RUBUPHM2XXX 86. 179 RURAL BANK OF MONTALBAN, INC. 01179-001-1 RUMTPHM2XXX 87. 180 COOPERATIVE BANK OF QUEZON PROVINCE 14180-001-7 CBQPPHM2XXX 88. 181 MALARAYAT RURAL BANK, INC. 19181-001-5 MLRUPHM2XXX 89. 182 SEABANK PHILIPPINES, INC. (A RURAL BANK) 31182-001-8 LAUIPHM2XXX 90. 183 BIÑAN RURAL BANK, INC. 31183-001-1 BIURPHM2XXX 91. 184 LOLC BANK PHILIPPINES, INC. (A THRIFT BANK) 19184-001-4 LOLPPHM2XXX 92. 187 MAYA BANK, INC. 01187-001-2 MYYAPHM2XXX 93. 188 UNION DIGITAL BANK 01188-001-5 UNODPHM2XXX 94. 189 UNO BANK, INC. 01189-001-8 UNOBPHM2XXX 95. 190 GOTYME BANK CORPORATION 01190-001-8 GOTYPHM2XXX 96. 194 OWN BANK, THE RURAL BANK OF CAVITE CITY, INC. 41194-001-8 OWNOPHM2XXX 97. 195 SOUTHEAST COUNTRY BANK, INC. (A Rural Bank) 07195-001-1 SCUAPHM2XXX 98. 196 AGRIBUSINESS RURAL BANK, INC. 01196-001-6 AGBUPHM1XXX 99. 197 RURAL BANK OF SILAY CITY, INC. 04197-001-8 RUSTPHM2XXX 100. 198 RURAL BANK OF SAN NARCISO, INC. 28198-001-7 RSNAPHM2XXX 101. 199 VBANK RURAL BANKING, INC. 32199-001-9 VGBCPHM1XXX 102. 200 SUMMIT BANK (RURAL BANK OF TUBLAY, INC.) 12200-001-4 RUBTPHM2XXX 103. 207 RURAL BANK OF ANGELES, INC. 06207-001-0 RUANPH22XXX 104. 801 CIMB BANK PHILIPPINES INC. 01801-001-1 CIPHPHMMXXX 105. 802 MAYA PHILIPPINES, INC. 01802-999-2 PAPHPHM1XXX 106. 803 DCPAY PHILIPPINES, INC. 01803-001-7 DCPHPHM1XXX 107. 804 G-XCHANGE, INC. (GCASH) 01804-001-0 GXCHPHM2XXX 108. 808 ZYBI TECH, INC.- Participation Temporarily Deactivated effective Jan. 8, 2024 01808-001-2 ZBTEPHM2XXX 109. 809 TAYOCASH, INC. 01809-001-5 TAYOPHM2XXX 110. 811 USSC MONEY SERVICES, INC. 01811-001-8 USMEPHM2XXX 111. 812 TAGCASH LTD. INC. 01812-001-1 TAGCPHM2XXX 112. 815 LULU FINANCIAL SERVICES (PHILS), INC.-  Participation Temporarily Deactivated effective July 6, 2023 01815-001-0 LFSHPHM2XXX 113. 816 EASYPAY GLOBAL EMI CORP. 01816-001-3 EAGMPHM2XXX 114. 818 GPAY NETWORK PH, INC. 01818-001-9 GHPESGSGXXX 115. 821 PPS-PEPP FINANCIAL SERVICES CORP. 35821-001-8 PPSFPHM2XXX 116. 824 PAYMONGO PAYMENTS, INC. 01824-001-4 PAEYPHM2XXX 117. 825 PHILIPPINE DIGITAL ASSET EXCHANGE (PDAX), INC. 01825-001-7 PDAXPHM2XXX 118. 828 WISE PILIPINAS INC. 01828-001-6 TRWIPHM2XXX 119. 902 DUNGGANON BANK (A MICROFINANCE RURAL BANK), INC. 04902-001-2 DUMTPHM1XXX 120. 905 EAST WEST RURAL BANK, INC. 01905-001-2 EAWRPHM2XXX 121. 906 INNOVATIVE BANK, INC. (A RURAL BANK) 01906-001-5 IORUPHM1XXX 122. 907 BANGKO MABUHAY (A RURAL BANK), INC. 41907-001-6 MRTCPHM1XXX 123. 908 RANG-AY BANK, INC. (A RURAL BANK) 01908-001-1 RARLPHM1XXX

January 30, 2025 TO : All PDDTS-RTGS/PvP Participant Banks/Institutions RE : PARTICIPATION OF MAYA BANK IN THE PDDTS AND PvP OPERATIONS 1. We are pleased to announce the participation of Maya Bank in the PDDTS-RTGS/PvP effective February 10, 2025. 2. The Business Identifier Code (BIC) that will be used in the system for Maya Bank is "MYYAPHM2XXX" and corresponding BP Code assigned is 'MYYA01') 3. Please include the said bank in your respective PDDTS participants' directory and disseminate to your respective branches/officers. 4. For information and guidance.