Amorsolo Room: Sign of the Anvil BDO Corporate Center, 5 th Flr. Makati City

1. GENERAL MEMBERSHIP BRIEFING Loandex2 Production Implementation Amorsolo Room: Sign of the Anvil BDO Corporate Center, 5th Flr. Makati City April 10, 2014, Thursday

2. AGENDA • Welcome Remarks • Review of Objectives – Why Loandex2? • Ready for Production • Migration Schedule (LISSA to LOANDEX2) • What happens after Full Migration? • Loandex2 Guidelines • Closing Remarks

3. Why LOANDEX ? 2 2 • Reduce turnaround time from 5 to days • By building a nd generation system • While it has taken years • We are now only weeks away from cut-over date 2 2 2 This is it!

4. Ready for Production • Parallel Test from Jan to April 2014 • Continuing Users Training Sessions • Fixes, enhancements and additional reports • Contemporaneous inquiries and responses • Support for other currency, e.g. USD • 5-day advance report • Use of ‘ZZ’ in place of ‘ . ’

5. Parallel Test Participation

6. 07 April2014 08 April2014 14 April2014 14 April2014 08 April2014 10 April2014 15 April2014 15 April2014 10 April2014 11 April2014 16 April2014 16 April2014 • Migration of historical records • Production Environment Setup 11 April2014 14 April2014 21 April2014 21 April2014 14 April2014 15 April2014 22 April2014 22 April2014 15 April2014 16 April2014 23 April2014 23 April2014 16 April2014 21 April2014 24 April2014 24 April2014 21 April2014 22 April2014 25 April2014 25 April2014 23 April2014 22 April2014 28 April2014 CUT-OVER 28 April2014 24 April2014 23 April2014 29 April2014 29 April2014 25 April2014 30 April2014 24 April2014 30 April2014 28 April2014 02 May2014 25 April2014 02 May2014 29 April2014 FULL MIGRATION COMPLETED 05 May2014 28 April2014 05 May2014 30 April2014 06 May2014 29 April2014 06 May2014 02 May2014 07 May2014 30 April2014 07 May2014 08 April2014 08 April2014 05 May2014 02 May2014

7. What happens after Full Migration? 31 March 2014 – Notice of Termination-Loandex Information Systems Agreement sent to Equicom • Full Migration Completed on May 05, 2014 (Monday) • All LIS-related data/information in both hard and soft copies will no longer be available from Equicom • Support for LISSA/(LITA) will be discontinued • New BAP Subject Numbers to be assigned by LDPC (starting with 1xxxxxxxx) : all BAP Subject Numbers used during parallel testing will be deleted • Start of database build-up of completed reports as basis for 30-days advance report • No responses from Non-BAP Participants in Credit Dealing Reports (This will be part of phase 2)

8. Loandex2 Guidelines 5-Day Inquiry/Response/Report Cycle • We will follow the existing 5-day cycle; • Loandex2 allows for a dynamic inquiry/response cycle; partial inquiry lists can be downloaded for response processing. • Full credit dealing reports available on the 5th day.

9. Loandex2 Guidelines Operating Hours 6 AM - System ready for use 12 NOON - Cut-off for same day broadcast of inquiries 5 PM - Cut-off for corrected inquiries 5:30 PM - Cut-off for responses due for the day 7 PM - Master Inquiry list ready for Download 10 PM - System Closed

10. Loandex2 Guidelines Proper Inquiries for Corporate Accounts • Use SEC or DTI Registered Name of the firm • Inquire Trade/Firm Name of the Enterprise and the Name of the Principal Owner separately • LGU accounts (e.g. CITY OF <name of city>, MUNICIPALITY OF <name of municipality followed by name of province>, PROVINCE OF <name of province>, BARANGAY <name of barangay followed by name of city>) • Indicate complete address

11. Loandex2 Guidelines Proper Inquiries for Individual Accounts • Spell out the complete name with the surname written first, followed by the given name and the middle name or initial. • For “and” and “and/or” accounts (as in case of spouses, where you are inquiring both of them), list these as two or more distinct accounts • Professional titles are written last on an individual name • For Chinese/Korean names or any other foreign names wherein you cannot determine which is the surname, the given name, or the middle name, spell these out as is • Indicate the complete address. Should there be more than one(1) given address, indicate the other addresses as well

12. Loandex2 Guidelines Penalties • Erroneous / Inaccurate Responses – P100,000.00 • Late Response to Broadcasted Inquiries – P1,000.00 / Day • Late Response to a Clarification Request – P1,000.00 Confidentiality The information provided by the LDPC should be treated as strictly confidential and should not be disclosed to any person or entity except to bank officers and staff who are required to have such information for the conduct of the bank’s business operations.

13. Loandex2 Guidelines Suspension of Operation • The Loandex Data Processing Center (LDPC) operations shall be suspended in case BAP suspends cheque clearing in Metro Manila on account of inclement weather, such as, typhoon, continuous rains and floods; calamities; among others. • Responses to inquiries due on the day the LDX2 is suspended shall fall due on the succeeding banking day. Helpdesk • LDPC Operations - 812-7213; 812-4942 • Access/Connectivity - 812-4791; 813-6899

14. Loandex2 Guidelines Broadcasting • LDPC References • Master directory of Individual and Corporate names with assigned BAP Subject Numbers (last 3 yrs only : 1M records trimmed down to 550,000 records after migration) • Business Name Registration System • SEC i-Register, other references available from internet • Business Profiles 2012-2013 Edition (PBPPI) • Returned Inquiries • Refer to inquiry guidelines • LDPC interpretations of inquiries will vary from Equicom • How to Minimize Returns and Avoid Penalties • Use Master Directory as reference • Use BAP Subject Numbers • Include additional information, e.g. Birthdates

15. R E M I N D E R S • Submit User Registration Form for Certified Loandex Operators • Settle your Outstanding Loandex Payables • Update your respective Directory Information (i.e. Name, Rank/Position, Email Address, Mobile No./Landline No. of Authorizing Officer and Certified Operators )

16. Q & A