CIRCULARS ISSUED BY/RELEASED THRU SYSTEMS (For the Month of December) INTEROFFICE LETTER No. 068 Date 12.01.

11 Title Wordings Disclosed in Brief All exceptions shall be properly disclosed by Lending Officers in the Evaluation and Recommendation of Credit Application (ERCA)/Offering Sheet (OS) using the following prescribed wordings: a. New Exception for Approval To declare a new specific exception for which approval is being secured. b. Previously Approved Exception for Confirmation To declare a previously approved exception which shall be retained in the new/proposed accommodation.
2.

Prescribed Exceptions Proposals

for Loan

1.

Exceptions shall be described in the appropriate portions of ERCA and OS. ERCA/OS without the prescribed standard wordings shall not be acted upon and shall be returned.

3.

069

12.02.11

Set-up of Pre-Settlement Risk and Settlement Risk Lines

The following lines shall be established for clients/counterparties with Foreign Exchange Spot/Forward/Swap, Fixed Income and other derivative transactions:
1.

Pre-Settlement Risk (PSR) Lines (same as the existing Foreign Exchange Line) - to cover credit risk to a counterparty defaulting on a contract prior to the final settlement of the transaction. The potential loss to the Bank is measured as a function of price volatility. Settlement Risk (SR) Lines - to cover the risk of default at the time of settlement of the transaction. PSR and SR limits shall be established on a stand alone basis and shall not be sub-limits or carved out of an Omnibus Line (OL).

2.

070

12.02.11

Increase of Service Charges

Effective January 31, 2012, the service charge for falling below the required monthly ADB for two (2) consecutive months on personal accounts shall be increased. The Tax Identification Number (TIN) shall be a mandatory requirement for all commercial accounts. The Branch Operations Officer (BOO)

071

12.12.11

Requirement for TIN Upon Account Opening

Page 1 of 18

shall ensure that the clients TIN is indicated on account opening documents (i.e., Customer Information and Specimen Signature Card (CISSC) and Application and Agreement for Deposit Account (AADA)). For individuals, TIN shall be required if available, except for minors (i.e., below 18 years old) and persons without gainful employment (e.g., full-time housewives, non-working students). 072 12.13.11 Certification of Treasury and Trust Placements/Investments 1. Requests for bank certification of Treasury and Trust placements/ investments shall be supported by a Certification Request Slip (MB-IM-47-t/Oct. 11) signed by the accountholder. 2. Upon receipt of the Certification Request Slip, the Customer Service Representative New Accounts Clerk (CSR NAC) shall verify clients signature based on the clients Customer Information and Specimen Signature Card (CISSC). 073 12.13.11 Handling of Requests for Statement of Account (SOA) for Loans 1. Lending units shall request for SOA from LoDRMMD (for branch/Business Lending Group (BLG) accounts)/CGFD (for CBG, SAMG accounts) via e-mail using the Request for SOA for Loans. 2. Within three (3) banking days from receipt of request, LoD-RMMD/CGFD shall prepare the SOA. If the SOA requested is for updating purposes only, the SOA shall be forwarded directly to the requesting lending unit via pouch/e-mail/fax. If the SOA requested is for legal purposes, the SOA shall be forwarded to the designated officers of BRU/SAD via pouch/messenger and e-mail. 3. On the same day of receipt of the SOA (for legal purposes) from LoD, BRU/SAD shall verify accuracy of computation and indicate any outstanding charges booked at Accounts Receivable (AR) or Accounts Payable (AP). If the SOA should include any outstanding charges, the SOA with notations on the outstanding charges shall be returned to LoDRMMD/CGFD via pouch/messenger for revision.

Page 2 of 18

If the SOA figures are correct (i.e., without outstanding charges), the SOA shall be directly forwarded to the requesting lending unit via pouch/messenger. 074 12.14.11 Endorsement of Accounts to Special Accounts Management Group Transfer of accounts to Special Accounts Management Group for remedial management/legal action shall require endorsement of officers in the in the AES. 1. Sole proprietorship accounts shall be opened under the sole proprietors registered business name. New accounts being opened under the sole proprietors personal name shall be classified as individual/personal. 2. A sole proprietor who intends to designate an attorney-in-fact shall be required to use the Banks template for Special Power of Attorney (SPA) for Sole Proprietorship. 3. Simultaneous with the updating of the clients CISSC, clients with existing SPAs shall be required to submit a Confirmation of Special Power of Attorney (Sole Proprietorship Account). 076 12.21.11 Handling of Thrift/Savings Bank Accounts 1. Clearing conduit arrangements New applications from thrift/savings banks for clearing conduit arrangements shall not be accepted. For thrift/savings banks with existing conduit arrangements: a. The Thrift/Savings Banks Head Office/Mother account shall be subject to an ADB requirement of P10MM plus a minimum CASA ADB of P500,000 for each operational account maintained. Nontraditional deposits/ placements shall not be included in the computation of ADB requirement. b. All other accounts of the thrift/savings bank with the different Metrobank branches shall be considered as operational accounts and shall be required to maintain an ADB of at least P500,000 each.

075

12.15.11

Sole Proprietorship Accounts

Page 3 of 18

2. Regular Operational Deposit/Placements

Accounts

and

Time

a. Thrift/savings banks shall be allowed to open and maintain operational accounts only in the form of SA and TD placements. b. The required monthly CASA ADB for new and existing operational accounts (SA or TD) shall be P500,000. In computing for the required ADB, non-traditional deposits shall be excluded since these do not form part of the accounts profitability as computed by the branch when the account was first approved. 077 12.23.11 Requirements for the Reporting of the Bank's Risk-Based Capital Adequacy Ratio (Solo CAR Report)
1.

For purposes of consolidation and reporting the Banks risk-based capital adequacy ratio (CAR), the concerned Bank units shall submit the necessary data/reports/schedules to the Head/Designated Officer of Institutional Accounting Division - Bank Regulatory Reports Department (IAD-BRRD) within the prescribed deadlines. Prior to booking of transactions that may reduce the Banks Qualifying Capital, concerned units shall immediately advise IAD of transaction details via email if the transaction amount is P100MM and above. IAD-BRRD shall re-calculate the Banks CAR using the latest Solo CAR report and inform the concerned Bank unit through email, of the effect of the proposed transaction on the Banks CAR.

2.

3.

078

12.29.11

Use of OS as Approval Media for Loans Secured by Traditional Deposits

1. The Offering Sheet has been revised to include the following sections: a. Approved Facilities of the Borrower b. Approved Facilities of Related Accounts c. Updated Bank Checkings (Borrower and Related Accounts) 2. The RM/AO/BH shall use the OS when requesting for approval of loans secured by traditional deposits. Other types of back-to-back (1:1) loans shall continue to be covered by an Evaluation and Recommendation for Credit Accommodation (ERCA).

Page 4 of 18

ADMINISTRATIVE CIRCULAR 063 12.01.11 Related Party Transactions

Metrobank, through its Board of Directors (BOD), shall ensure that transactions with related parties are reviewed to assess risks, are subject to appropriate restrictions to ensure that such are conducted at arms-length terms and that corporate or business resources of the Bank are not misappropriated or misapplied. 1. The following shall be the designated system owner and custodian of the Banks firewall: a. Information Security Division (InfoSec Division) - Designated System owner b. Information Technology Group Central Infrastructure Division (ITG-CID) Designated System Custodian. 2. The ITG-CID Head shall designate a primary and alternate Firewall Administrator (FWA). 3. Firewall administration shall only be done using an official, specified and approved firewall management console. The firewall management console shall be under the custody and accountability of the FWA. 4. Requests for changes to the firewall configuration/set-up shall be documented through an IT Change Request Form (ITCRF).

064

12.05.11

Firewall Management

065

12.21.11

Use of Bank Name/Logo

The Metrobank name and logo are the Banks intellectual property and unauthorized use of such outside the Bank or for personal gain, either during or after employment is strictly prohibited. For products, marketing/publicity material, or promotional items/giveaways, use of the Banks name/logo shall require prior approval of the Integrated Marketing Services Division Head. The request for approval must be in writing.

066

12.21.11

Amendment to the Membership of Nominations Committee

The Committee membership has been amended to reflect changes in the Banks organization and leadership. The HRMG- Human Resources Development Division (HRMG-HRDD) has been reorganized to integrate the Information Technology Group-Training Unit with HRMG.

067

12.29.11

Organizational Changes Affecting HRMG Human Resources Development Division

LOCAL PROCEDURES CIRCULAR 043 12.05.11 Handling of Complaints/Concerns Through Sharepoint

Customer Received

All customer complaints/concerns received by EBD through Sharepoint shall be identified as to type of transaction and forwarded to the following units for resolution within the prescribed turnaround time

Page 5 of 18

(TAT): a. ATM Reconciliation Department b. Settlement and Transaction Control Section c. Fulfillment Section d. Customer Service Section 044 12.05.11 Amendment of Policies on Real and Other Properties Acquired 1. All outstanding Real and Other Properties Acquired (ROPA) shall be presented by the Acquired Assets Management and Disposition Group (AAMDG) Head to the Property Acquisition and Disposition Committee (PADCOM) and to the Assets and Liabilities Committee (ALCO) on a quarterly basis. Upon notation of the Consolidated Report by PADCOM, the AAMDG Head shall ensure that the said report is elevated to the BOD and a copy of the PADCOM/BOD-noted report shall be kept on file. 2. Interested buyers shall be required to register in the Sealed Bid Register and drop sealed bids in a locked box. Keys to the locked box shall be under the custody of the AAMDG- Sales and Leasing Support Division. 3. During the bidding, the AAMDG - Sales Division Head/Officer shall request the presence of an Internal Audit Group (IAG) Officer/representative to act as witness to the opening of sealed bids. 4. The AAMDG-Leasing Division Head/Officer shall provide a Lease Contract to the client for signature within three (3) banking days upon receipt of PADCOM approval. 045 12.13.11 Set up of Issuer Risk Limits and Monitoring of Credit Ratings of Bonds/Securities 1. Issuer Risk Lines shall be established as a dedicated facility for the purchase of bonds, corporate notes and other traded securities issued by the Banks counterparty with the assurance of getting back the principal once the bond/security matures. The following shall be considered in setting up the Issuer Risk Limit: a. The limit shall be equivalent to the face value of the instrument b. The maximum allowable remaining tenor shall be specified 2. Proposals for the establishment of Issuer Risk limits shall be endorsed to ALCO (for FIs/Sovereigns) and EXCOM/SR EXCOM (for Corporates).

Page 6 of 18

A copy of the approved ALCO proposal (from Treasury Group (TG))/ Evaluation and Recommendation for Credit Accommodation (ERCA) (from Corporate Banking Group (CBG)) shall be forwarded to the Heads of Risk Management Group (RSK), Financial Institutions Division (FID) and Treasury Operations Support Division (TOSD). 3. TOSD shall set-up the approved lines in the Operations Processing Integrated Control System (OPICS). 046 12.13.11 Handling of Requests for Policy All requests for policy reiteration/clarification shall be Reiterations/Clarifications supported by a Request for Systems Work which shall be addressed to Business Systems Division (Systems) through the proponents Unit Head/designated officer. The request shall be transmitted via e-mail (syd@metrobank.com.ph) or pouch. Credit Review Process 1. The following bank units with identified creditrisk taking activities (i.e., the review entities) shall be subject to credit review by Risk Management Group (RSK) - Credit Review Department: a. Corporate Banking Group (CBG) b. Business Lending Group (BLG) c. Consumer Lending Group (CLG)
2.

047

12.15.11

The Credit Review Department shall initiate all cycled reviews. Special reviews may also be initiated by the Credit Review Department or upon receipt of request from Management.

048

12.23.11

Reporting of the Bank's Risk-Based Capital Adequacy Ratio

1. On a monthly basis, the concerned Bank units shall submit the necessary data/ reports/schedules to the Institutional Accounting Division-Bank Regulatory Reports Department (IAD-BRRD) via email/File Transfer Protocol (FTP) and within the prescribed deadlines for consolidation and reporting of the Banks riskbased CAR (i.e., Solo CAR Report). 2. The Banks risk-based CAR shall be reported monthly by the Controller to the Assets and Liabilities Committee (ALCO), as part of the Financial Review Report, and subsequently present this to the Banks Board of Directors (BOD). 3. Financial Review Report, and subsequently present this to the Banks Board of Directors (BOD).

Page 7 of 18

4. On a quarterly basis, IAD-BRRD shall submit the Solo and Consolidated (i.e., Bank and its Subsidiaries) CAR reports to the appropriate Bangko Sentral ng Pilipinas-Supervisory Data Center and Philippine Deposit Insurance Corporation (PDIC). INTERCORPORATE CIRCULAR 014 12.19.11 2012 Legal/Non-Working Holidays of Foreign Branches/Subsidiaries

All foreign branches and subsidiaries shall observe the attached schedule of legal/non-working holidays for the year 2012.
1.

015

12.29.11

Monitoring of Compliance with Ceilings on Equity Investments

Prior to securing approval for the following transactions, clearance should be secured from the Controller to ensure compliance with the prescribed ceilings on equity investments:
a. b. c. d.

Unsecured loans to DOSRI Unsecured loans to subsidiaries and affiliates Unsecured loans to Trust and other fiduciary accounts Equity investments of subsidiaries/affiliates in MBTC shares.

CONTROL BULLETIN 021 12.09.11 ATM Card Switching Scheme

All BOOs/Cash Management Services Unit (CMSU) Officers/Designated CSR/Staff are informed and advised to caution ATM cardholders against the ATM card switching scheme perpetrated by syndicates. of Branch officers and CSRs should not entertain individuals who attempt to involve Bank personnel in illegal schemes in exchange for substantial amounts. The individuals involved in these schemes are syndicates that pose serious threat to the safety of Bank personnel.

022

12.23.11

Unauthorized Negotiation Checks Payable to Philhealth

EMAILS (Released by Systems) 12.05.11 ANNOUNCEMENT from Systems Circulars Issued by/Released through Systems (November 2011) 12.06.11 REITERATION Preparation, Consolidation and Submission of NPAC Progress Reports

List of circulars/announcements issued by/released through Systems for the month of November 2011.

To ensure an updated and accurate Consolidated NPAC Progress Report, all Branch Heads (BHs)/Account Officers (AOs)/Relationship Managers (RMs) shall immediately update the NPAC reports upon receipt of the latest report containing Watchlist and Adversely Classified Accounts (ACA) from BSC. Additionally, Area Heads (AHs)/Division Heads are reminded to review the NPAC Progress Reports thoroughly and ensure the correctness and completeness of the report.

Page 8 of 18

12.08.11

REITERATION - Deletion of Signature Images of Dormant Savings Accounts

All BOOs are reminded to delete the signature images of dormant SAVINGS accounts in the Signature Verification System (SVS), to strengthen control and prevent unauthorized withdrawals. All employees are reminded of the prescribed guidelines to maintain an orderly and clean workplace that will ensure information security, work organization and promote office efficiency. To minimize the risks of monetary losses and to ensure compliance with the Bangko Sentral ng Pilipinas (BSP) regulations, all officers and staff are reminded of the policies on account opening.

12.12.11

REITERATION - Office Cleanliness

12.13.11

REITERATION - Account Opening

12.13.11

ANNOUNCEMENT from Systems Circulars/Announcements/Reiterations/ Clarifications from Systems

Please be advised that circulars/reiterations/ clarifications/announcements from Business Systems Division shall be classified based on the action required from the recipients. All e-mail assignees shall ensure that circulars/reiterations/clarifications/announcements are read following the prescribed turnaround times (TAT).

12.20.11

REITERATION - Processing of Outgoing Foreign Telegraphic Transfers

All Branch Operations Officers (BOOs) shall ensure accurate encoding and complete details in the MT103 template for outgoing foreign telegraphic transfers to avoid potential monetary losses and customer complaints. All Branch Operations Officers (BOOs) and designated Cash Management Services Units (CMSUs) Officers are reminded of the guidelines to ensure the safety of clients who will transact at our ATMs. To ensure that requests are properly documented and approved, the procedures on requests for change of account classification are reiterated. To facilitate the issuance of Letters of Credit (LCs) and booking of Trust Receipts (TRs)/Customers Liability under Acceptance (CLA)/Shipping Guarantees (SG), the responsibilities of specified units with regard to the requirement for Marine/Fire Insurance are reiterated.

12.20.11

REITERATION - Safety Precautions on ATM Fraud

12.21.11

REITERATION Classification

Change

of

Account

12.26.11

REITERATION - Submission of Marine / Fire Insurance for Trade Transactions

EMAILS (Released through Systems) 12.01.11 ANNOUNCEMENT from CMSD-CGSD Inventory of Unused Philhealth Agent Receipt

Please submit your monthly inventory of unused Philhealth Agent Receipt (PAR) as of November 29, 2011 using the attached format. Submit the report via e-mail to CMSD-SSSPHILHEALTH@metrobank.com.ph not later than December 05, 2011.

Page 9 of 18

12.01.11

ANNOUNCEMENT from HRMG - Thank you for participating in the employee engagement survey! ANNOUNCEMENT from Compliance - List of Documentary Requirements for Government Deposits ANNOUNCEMENT from BSC - Opening of Branches During the Christmas Holidays To serve the banking public during the Christmas season, selected branches shall be open on weekends from December 3 to December 18, 2011.

12.01.11

12.02.11

12.02.11

ANNOUNCEMENT from Information Security Division - Information Security Awareness - Virus on your computers? ANNOUNCEMENT from HRMG November 2011 MREALA Submission For the November 2011 MREALAs, please be advised that the deadline for submission is on December 5, 2011. The Metrobank Foundation, Inc. (MBFI), in partnership with the Mathematics Teachers Association of the Philippines (MTAP) and the Department of Education (DepEd) is set to hold the 2012 Metrobank-MTAP-DepEd Math Challenge (MMC) from January to April 2012. All Branch Heads are requested to assist in the information campaign efforts and in the implementation of the program at various phases of the competition. Please be informed that Aurora Blvd Branch (renamed as Aurora Blvd. Manhattan Parkway) shall be relocating to its new site effective today, December 5, 2011. All Branch Heads shall refer to the following collaterals of the 2012 Metrobank-MTAP-DepEd Math Challenge (MMC): 1. 2012 MMC Form 01 2. 2012 MMC Form 02 3. 2012 MMC Guidelines The collaterals may also be accessed in the Public Folder under MBFI-MMC-Collaterals.

12.02.11

12.02.11

ANNOUNCEMENT from MBFI - 2012 Metrobank-MTAP-DepEd Math Challenge

12.05.11

ANNOUNCEMENT from BSC - Relocation of Aurora Blvd Branch

12.05.11

ANNOUNCEMENT from MBFI - 2012 Metrobank-MTAP-DepEd Math Challenge

12.05.11

ANNOUNCEMENT from Immaculate Conception

HRMG

Mass schedule for the Solemnity of the Immaculate Conception on December 08, 2011 (Thursday):

12.06.11

ANNOUNCEMENT from MCC - Lucerne Private Sale ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items Please be advised that the outward physical items coming from Tuguegarao (Region Code 23) dated December 05, 2011 did not arrive as scheduled.

12.06.11

Page 10 of 18

12.06.11

HR ADVISORY - December 2011 Officer Promotions ANNOUNCEMENT from BSC - New ATM Sites ANNOUNCEMENT from HRMG - Applicant Referral Incentive Program ANNOUNCEMENT from HRMG - A Toast to Metrobank's New CPAs! ANNOUNCEMENT from HRMG - eAttendance System ANNOUNCEMENT from HRMG - 2011 Performance Review

List of officer promotions effective December 01, 2011. List of new ATM sites.

12.06.11

12.06.11 12.06.11 12.06.11 12.07.11

To start the 2011 People Season, the PAMS Online, enhanced for easier navigation, is now officially open. Please be advised that the outward physical items coming from Naga (Region Code 07) dated December 06, 2011 did not arrive as scheduled. List of holidays for the year 2012.

12.07.11

ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items

12.07.11

ANNOUNCEMENT from HRMG - Holidays for the Year 2012 ANNOUNCEMENT from HRMG Reiteration: PAMS Online Link -

12.07.11

To access the new and improved PAMS Online System, users can log in through https://hrmg1/pams, which is also accessible along with a Users Manual through InSight Online > HR Matters tab.

12.09.11

ANNOUNCEMENT from Information Security Division - Information Security Awareness - Shred to Protect ANNOUNCEMENT from PSBank - Real Estate Properties for Sale as of December 06, 2011 ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items List of PSBank real estate properties for sale as of December 06, 2011. Please be advised that the outward physical items coming from Surigao (Region Code 21) and Tuguegarao (Region Code 23) dated December 09, 2011 did not arrive as scheduled. Please be advised that the outward physical items coming from Tuguegarao (Region Code 23) dated December 12, 2011 did not arrive as scheduled. The accomplishment and submission of the MREALA, Overtime form and IOLs requesting for change in work schedule are discontinued starting the month of December 2011. Thus, any leave/OB availments, time in/time out contingencies, overtime authorization and shift schedule applications between December 1 to 6, 2011 should be filed thru the e-Attendance system.

12.09.11

12.12.11

12.13.11

ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items

12.13.11

ANNOUNCEMENT from HRMG - Online Attendance Monitoring System (eAttendance)

Page 11 of 18

Employees are also enjoined to always notify their respective approving officers that they have submitted attendance applications for their approval. 12.13.11 ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items Please be advised that the outward physical items coming from Tuguegarao (Region Code 23) dated December 12, 2011 did not arrive as scheduled. Announcement of the appointment of Ms. Daisy C. Yrureta as Area Head of North Luzon Area I effective December 16, 2011.

12.13.11

ANNOUNCEMENT from NBBS Appointment of Daisy C. Yrureta as Area Head of North Luzon Area I ANNOUNCEMENT from Compliance Trust, Other Fiduciary Business and Investment Activities Unsafe and Unsound Practice ANNOUNCEMENT from PSBank Vehicles for Sale as of December 13, 2011 ANNOUNCEMENT from MBFI - The 2012 Metrobank Foundation Search for Outstanding Teachers

12.13.11

12.13.11

List of PSBank vehicles for sale as of December 13, 2011. Golden In celebration of Metrobanks 50 Anniversary next year, the Metrobank Foundation has launched the 2012 Search for Outstanding Teachers, which is on its 28th year. Once again, the Foundation would like to seek your help in making the 2012 Search a great success as the awarding of the Outstanding Teachers is one of the th highlights of the 50 anniversary celebration. All Branch Heads are encouraged to provide MBFI the necessary assistance in the information dissemination phase up to awarding phase of the Search. BHs shall refer to the following attachments as mentioned in the memo: 1. Search Guidelines 2. Basic Information Sheet 3. List of Provinces/Cities/Municipalities with NO winners yet
th

12.14.11

12.14.11

ANNOUNCEMENT from Christmas Party Allowance

HRMG

Please be reminded that the deadline for submission of the request for the release of Christmas Party Allowance is on Thursday, December 15, 2011. Pricelist and promo discount as of December 2011.

12.15.11

ANNOUNCEMENT from Toyota Cubao Pricelist as of December 2011 ANNOUNCEMENT from TBG - Wanna invest in SDA? ANNOUNCEMENT from TBG - Hungry

12.15.11

12.16.11

Page 12 of 18

12.16.11

ANNOUNCEMENT from HRMG - MEADE (College) Scholarship (3rd Trimester of SY 2011-2012)

Applications for the Metrobank Educational Assistance for the Dependents of Employees rd (MEADE) (College) Scholarship (3 Semester of SY 2011-2012) will be processed upon submission of complete requirements and MEADE Application form. Deadline of submission of applications is on January 31, 2012.

12.16.11

ANNOUNCEMENT from Information Security Division - Information Security Awareness - Clean Desk ANNOUNCEMENT from MDH - MDH Gift Certificate ANNOUNCEMENT from AXA Philippines My Christmas Wish List ANNOUNCEMENT from AXA Philippines Merry Christmas ANNOUNCEMENT from AXA Philippines Have an eXentials-Filled Christmas ANNOUNCEMENT from TBG - Got time? ANNOUNCEMENT from PSBank Vehicles for Sale as of December 16, 2011 ANNOUNCEMENT from TBG - Got time? ANNOUNCEMENT from BSC - Opening of Branches During the Christmas Holidays HR ADVISORY - December 2011 Officer Promotions ANNOUNCEMENT from HRMG Submission of the MREALA Form List of branches that will open during the Christmas Holidays. List of officer promotions effective December 16, 2011. Please be advised that all Group Heads and Division/Department Heads directly reporting to the Office of the President shall continue to submit the properly accomplished MREALA form to the President to secure approval on attendance applications, i.e. leaves, official business, timekeeping contingencies (e.g. undertime). Existing policy in accomplishing and submitting the MREALA shall apply. List of PSBank vehicles for sale as of December 16, 2011.

12.16.11

12.16.11

12.16.11

12.16.11

12.19.11 12.16.11

12.19.11 12.19.11

12.19.11

12.19.11

12.19.11

ANNOUNCEMENT from HRMG - ESS Leaves Viewing Teaser ANNOUNCEMENT from TBG - Are you a scaredy cat?

12.20.11

Page 13 of 18

12.20.11

ANNOUNCEMENT from TBG - Are you a scaredy cat? ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items Please be advised that the outward physical items coming from Tuguegarao (Region Code 23) dated December 19, 2011 did not arrive as scheduled. Typhoon Sendong has left the country and out of 136 Metrobankers assigned in Cagayan De Oro City and Iligan, the resulting flash floods has created havoc in the lives of twenty-eight (28) Metrobankers. Together with their families, they continue to suffer. Heeding their call for help, Human Resources Management Group through the Purple Hearts Club, invites everyone to reach out to our own. Any Metrobanker who wishes to alleviate the conditions of our fellow Metrobankers, severely affected by Typhoon Sendong, may deposit their cash donations to Metrobank Purple Hearts Club, Account Number 066-7-066-37115-4 (Note: Please use Bills Payment form).

12.20.11

12.20.11

ANNOUNCEMENT from HRMG Metrobankers for Metrobankers - Voluntary Assistance for Metrobankers Affected by Typhoon Sendong

12.20.11

ANNOUNCEMENT MCs/CTDs

from

OPG

Lost

List of lost MCs and CTDs of other banks.

12.20.11

ANNOUNCEMENT from MBFI Metrobank-Toyota allots Php 5-M tropical storm Sendong victims

to

In solidarity with the people of Mindanao and the Visayas, the Metrobank Group and Toyota Motors Philippines have pooled resources to address the immediate needs of victims of recent calamity. Through his philanthropic arms - the Metrobank Foundation, Inc. ( MBFI), and Toyota Motors Philippines Foundation, Inc. (TMPF), Group Chairman George S.K. Ty has allocated a total of Php 5 million to the ongoing emergency and relief operations in the provinces badly affected. The Metrobank Foundation has opened a facility to receive monetary donation for those who might be interested to join in this humanitarian gesture to show our concern to our fellowmen in this difficult circumstance that they face today. Branches may now publicly announce that Metrobank is receiving donations on behalf of MBFI. This might encourage clients who would also like to donate. Attached is a template of the advisory you may post at the branch. Please fax the deposit slips of the donors to Metrobank Foundation at 8185656 or 750-0837.

12.20.11

ANNOUNCEMENT from MBFI - MBFI Typhoon Sendong

Page 14 of 18

Donations may be deposited at any Metrobank branch to the following account: MBFI CALAMITY FUND Peso Savings Account: 066-372154086-4 Metrobank Head Office Center For further inquiries, you may contact Mr. Ariel Culala at ariel.culala@metrobank.com.ph or at telephone number 898-8757. 12.20.11 ANNOUNCEMENT from MDH - Salamat Dok - Featured Topic - Firecracker Injuries ANNOUNCEMENT from TBG - zzz zzz zzz.. ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items Please be advised that the outward physical items coming from Tuguegarao (Region Code 23) dated December 19, 2011 and December 20, 2011 did not arrive as scheduled.

12.21.11

12.21.11

12.22.11

ANNOUNCEMENT from TBG - tic toc tic toc ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items Please be advised that the outward physical items coming from Dumaguete (Region Code 20) dated December 21, 2011 did not arrive as scheduled.

12.22.11

12.23.11 12.23.11

ANNOUNCEMENT from TBG - E=mc2 ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items Please be advised that the outward physical items coming from Dumaguete (Region Code 20) dated December 22, 2011 did not arrive as scheduled. Announcement of the relocation of Farmers Plaza and Redemptorist Baclaran (to be renamed as Baclaran Milenyo) branches. Please be informed that we will consolidate the operations of our Bambang (477) and Masangkay Mayhaligue (087) branches on January 16, 2012. Masangkay Mayhaligue will be the absorbing branch. Please be advised that December 29, 2011, Thursday, is a regular working day. All employees are reminded to comply with the Banks established policy on the wearing of uniform and proper office attire.

12.23.11

ANNOUNCEMENT from BSC - Relocation of Branches

12.23.11

ANNOUNCEMENT from BSC Consolidation of Bambang and Masangkay - Mayhaligue Branches

12.23.11

ANNOUNCEMENT from HRMG - Proper Office Attire on December 29, 2011

12.23.11

ANNOUNCEMENT from Information Security Division - Information Security Awareness - Do not share your password

Page 15 of 18

12.23.11

ANNOUNCEMENT from NBBS clustering of Metro Manila Area IX ANNOUNCEMENT from NBBS clustering of South Luzon Area I ANNOUNCEMENT from NBBS clustering of Metro Manila Area V

Re-

Please be advised of the re-clustering of Metro Manila Area IX effective January 1, 2012. Please be advised of the re-clustering of South Luzon Area I effective January 01, 2012. Please be advised of the re-clustering of Metro Manila Area V effective January 1, 2012. Please be advised of the re-clustering of Metro Manila Area XIII effective January 1, 2012. Please be advised on the re-clustering of Metro Manila Area XVI effective January 1, 2012. Please be advised of the re-clustering of Metro Manila Area XV effective January 1, 2012. List of OALP motor vehicles for bidding. List of PSBank vehicles for sale as of December 23, 2011.

12.23.11

Re-

12.23.11

Re-

12.23.11

ANNOUNCEMENT from NBBS clustering of Metro Manila Area XIII ANNOUNCEMENT from NBBS clustering of Metro Manila Area XVI ANNOUNCEMENT from NBBS clustering of Metro Manila Area XV

Re-

12.23.11

Re-

12.23.11

Re-

12.23.11

ANNOUNCEMENT from OALP - List of Motor Vehicles for Bidding ANNOUNCEMENT from PSBank Vehicles for Sale as of December 23, 2011 ANNOUNCEMENT from TBG - Turning over a new leaf? ANNOUNCEMENT from PSBank - Real Estate Properties for Sale as of December 15, 2011 ANNOUNCEMENT from HRMG - Proper Office Attire on December 29, 2011

12.23.11

12.26.11

12.26.11

List of PSBank real estate properties for sale as of December 15, 2011.

12.26.11

Please be advised that December 29, 2011, Thursday, is a regular working day. All employees are reminded to comply with the Banks established policy on the wearing of uniform and proper office attire.

12.27.11

ANNOUNCEMENT Shopaholic?

from

TBG

12.27.11

ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items

Please be advised that the outward physical items coming from Surigao (Region Code 21), Tuguegarao (Region Code 23), Iligan (Region Code 18) and Cagayan de Oro (Region Code 10) dated December 26, 2011 did not arrive as scheduled. Announcement of the appointment of Mr. Bernardo H. Tocmo as National Sales Head under the National Branch Banking Sector effective October 01, 2011. Announcement of the appointment of Ms. Melizza Doris L. Guiao as Regional Sales Head of Metro Manila Region II under the National Branch Banking Sector effective October 01, 2011.

12.27.11

ANNOUNCEMENT from NBBS Appointment of Bernardo H. Tocmo as National Sales Head

12.27.11

ANNOUNCEMENT from NBBS Appointment of Melizza Doris L. Guiao as Regional Sales Head - MM Region II

Page 16 of 18

12.27.11

ANNOUNCEMENT from NBBS Appointment of Emmeline D. Go as Regional Sales Head - Visayas Region

Announcement of the appointment of Ms. Emmeline D. Go as Regional Sales Head of Visayas Region under the National Branch Banking Sector effective October 01, 2011. Announcement of the appointment of Cluster Sales Heads of Metro Manila Region II effective October 01, 2011. Announcement of the appointment of Ms. Teresita L. Dy as Regional Sales Head of Metro Manila Region III under the National Branch Banking Sector effective January 01, 2012. Announcement of the appointment of Cluster Sales Heads of Visayas Region effective October 01, 2011. Announcement of the appointment of Mr. Ener F. Payabyab as Regional Sales Head of North Luzon Region under the National Branch Banking Sector effective January 01, 2012. Announcement of the appointment of Ms. Eden L. Bartolo as Regional Sales Head of South Luzon Region under the National Branch Banking Sector effective January 01, 2012. Announcement of the appointment of Cluster Sales Heads of Metro Manila Region III effective January 01, 2012. Announcement of the appointment of Cluster Sales Heads of North Luzon Region effective January 01, 2012. Announcement of the appointment of Cluster Sales Heads of South Luzon Region effective January 01, 2012. Effective January 1, 2012, branches shall use the new pre-printed Investment Management Account (IMA) Agreements for IMA bookings.

12.27.11

ANNOUNCEMENT from NBBS Appointment as Cluster Sales Heads - MM Region II ANNOUNCEMENT from NBBS Appointment of Teresita L. Dy as Regional Sales Head - MM Region III

12.27.11

12.27.11

ANNOUNCEMENT from NBBS Appointment as Cluster Sales Heads Visayas Region ANNOUNCEMENT from NBBS Appointment of Ener F. Payabyab as Regional Sales Head - North Luzon Region

12.27.11

12.27.11

ANNOUNCEMENT from NBBS Appointment of Eden L. Bartolo as Regional Sales Head - South Luzon Region ANNOUNCEMENT from NBBS Appointment as Cluster Sales Heads - MM Region III ANNOUNCEMENT from NBBS Appointment as Cluster Sales Heads North Luzon Region ANNOUNCEMENT from NBBS Appointment as Cluster Sales Heads South Luzon Region ANNOUNCEMENT from TBG - Pre-printed Investment Management Agreements

12.27.11

12.27.11

12.27.11

12.27.11

12.28.11

ANNOUNCEMENT from TBG - Financially pffft?! ANNOUNCEMENT from CCMD - Notice of Delayed Arrival of Outward Items Please be advised that the outward physical items coming from Legaspi (Region Code 16) dated December 27, 2011 did not arrive as scheduled. List of officer promotions effective January 01, 2012.

12.28.11

12.28.11

HR ADVISORY - January 2012 Officer Promotions

Page 17 of 18

12.28.11

ANNOUNCEMENT from OPG - PCHC MC No. 2236 - Checks Bearing Former Robinsons Savings Bank/New Clearing Participants/BRSTN Updates

Please be reminded that effective January 01, 2012, checks bearing the former Robinsons Savings Bank (RSB) shall not be honored and will be returned for reason REFER TO DRAWER/MERGED BANK by Robinsons Bank Corporation (RBC). Please be advised that for the month of January 2012, Clearing and Check Management DivisionInward Clearing Department (CCMD-ICD) shall endorse all post-dated, stale-dated and out-of-date checks (regardless of amount) to branches for disposition prior to return. This is in anticipation of errors that may be made by clients because of the changeover from 2011 to 2012. List of PSBank vehicles for sale as of December 28, 2011. In view of the holiday on Friday, December 30, 2011, branches are required to send their report on Sale of Foreign Demand Drafts not later than 3pm of December 29, 2011. Reports should be e-mailed to: IOD - Sundries Department MBTC with copy to: Ms. Dulce Magsalin dulce.magsalin@metrobank.com.ph following the existing procedures.

12.28.11

ANNOUNCEMENT from OPG - Handling of Post-Dated Stale-Dated and Out-of-Date Checks for January 2012 Only

12.28.11

ANNOUNCEMENT from PSBank Vehicles for Sale as of December 28, 2011 ANNOUNCEMENT from IOD - Report on Sale of Foreign Demand Drafts

12.29.11

12.29.11

ANNOUNCEMENT from TBG - Your 2012 List ANNOUNCEMENT from Information Security Division - Information Security Awareness - Lock your computer screens HR ADVISORY - Appointment of Marie Angeli W. Samala as GSG Operations Head Announcement of the appointment of Marie Angeli W. Samala as General Services Groups Operations Head effective January 01, 2012.

12.29.11

12.29.11

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