1. Electronic Peso Clearing and Settlement System ELECTRONIC PESO CLEARING SYSTEM (EPCS) FOR PEMC PARTICIPANTS

2. Electronic Peso Clearing and Settlement System Market Participant How it Works PEMC 1 Enroll in EPCS member banks 5 Send collection file to EPCS member banks (T-2) 6 Member bank’s remit payment to PEMC’s account (T-1) 7 BDO sends collection file to PEMC Receive Reports to Update A/R Files Process Enrollment 2 4 Send Collection File to BDO Generate collection file at t-2 3 8

3. Electronic Peso Clearing and Settlement System One time enrollment of accounts Straight Through Processing Electronic Transfer of Debit Instructions Online Debits/Credits to your Account Comprehensive Collection Information KEY FEATURES

4. Electronic Peso Clearing and Settlement System Efficient Collection Eliminate Past Due Accounts Eliminate Paper Based Instructions More Secure Handling of Collections Easier Reconciliation Hassle-Free Payments No more check issuance No more OTC transactions EPCS KEY BENEFITS

5. Electronic Peso Clearing and Settlement System Easy Enrollment Process Avoid Past Due Valuable Time Savings EPCS KEY BENEFITS

6. Electronic Peso Clearing and Settlement System Account in EPCS member banks EPCS REQUIREMENT/S