ALWAYS ALWAYS ON HERE

ALWAYS IN

ANNUAL REPORT 2019 01

About the Theme About EastWest

Always ON. Always IN. Always HERE. East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines today. We cater to the financial needs of consumers, middle-market clients, and the mass The banking industry is facing major disruptions and challenges. Those that cannot affluent. thrive in this operating environment are bound to wither and die on the vine. For EastWest Bank, to be successful in its chosen markets means being consistent — Our multiple customer touch points include our network of 467 stores, of which 391 are always. EastWest parent bank stores and 76 are stores of EastWest Rural Bank, 584 ATMs nationwide, internet banking for individuals and corporates (EastWest Online), mobile banking (EastWest ALWAYS ON, uncovering moments of opportunity, such as offering digital solutions to Mobile), phone banking, and 24-Hour EastWest Customer Service. enable more Filipinos to access our products and services in the channel or on the time of their choosing. EastWest is a subsidiary of Filinvest Development Corporation (FDC), one of the country’s leading conglomerates with diverse interests ranging from real estate, banking, sugar, ALWAYS IN, being innovative and entrepreneurial, staying relevant to rapidly evolving hospitality, power generation, to infrastructure. needs and customer preference, and being agile and flexible, especially as circumstances change. Since 2012, EastWest has been trading under the symbol ‘EW’ in the Philippine Stock Exchange (PSE). ALWAYS HERE, assuring our customers that we will be their partner — in good times or in bad — to help them achieve their dreams. Customers can rely on our proven financial As of end-2019, EastWest had 6,317 full-time employees. EastWest’s subsidiaries have 1,050 strength, soundness, and stability to assist them during periods of uncertainty. employees, bringing the combined manpower to 7,367.

For more information, visit www.ewbanker.com. Brand Pillars Service Pillars • Insightful expertise directed PERSONABLE: Warm and positive attitude, genuine sentiment, and towards your priorities personal concern for the customer’s well-being and business affairs • Dedication to making banking easier for you DEPENDABLE: Dedicated to making banking as easy as possible for the customer — taking the effort away whenever we can but with • Entrepreneurial spirit to realize professional regard for due process our collective best potential Vision PROACTIVE: Actively listening, offering the right information at the To be a world-class bank anchored on service excellence in our chosen markets right time, considering what the customer needs with thoughtful cross-selling Mission To create value: Contents For our chosen markets, by providing them with excellent service in the delivery of integrated and innovative products, responsive to their current and future financial needs, at the best value 01 About EastWest 46 Consumer Protection 88 Senior Officers For our employees, by continuously providing them with opportunities to develop their full 02 Financial Highlights 50 Risk Management 89 Organizational Chart potential and by giving recognition and rewards commensurate to their contribution 03 Key Performance Indicators 54 Capital Adequacy 90 Subsidiaries For our community, by committing ourselves to improving the quality of life of those around us 04 Message from the Chairman 58 Risk Exposure 92 Affiliate through the support for various charities and involvement in outreach activities 08 Q&A with the Vice Chairman & CEO 66 Corporate Governance 94 Products and Services For our regulators, by uncompromisingly adhering to the highest standards of business ethics 12 Operational Highlights 78 Board of Directors 96 EastWest Store Network and corporate governance 22 Our People and the Community 80 Directors’ Profiles 108 EastWest Rural Bank Store Network For our shareholders, by managing the bank professionally and prudently to consistently 28 Sustainability at EastWest 82 Senior Management 111 Offsite ATM Network achieve optimal possible returns

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Financial Highlights Summary of Key Financial Ratios

2019 2018 Net Income Net Income Assets in Billions Php in Billions Php in Billions Php Profitability (in Millions Php) Net Interest Income 21,467 19,277 6.2 Trading Income 1,393 503 Fees & Other Income 5,838 5,717 6.2 406.3 Assets 28,698 25,497

5.1 Net Revenues

in Billions Php 3 6 7. 3 Operating Expenses 16,405 15,219 4.5 3 1 7. 6

291.8 Provision for Losses 4,042 3,906 232.9

406.3 3.4 Provision for Taxes 1,669 1,468

2 Net Income 6,242 4,508 Loans 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 in Billions Php Balance Sheet Data (in Millions Php) Assets 406,324 367,339 Loans Deposits 2 6 7. 6 in Billions Php in Billions Php Consumer Loans 197,772 173,251 Corporate Loans 71,333 73,482 Deposits Low-Cost Deposits (CASA) 186,785 145,527 in Billions Php High-Cost Deposits 117,941 142,712 2 6 7. 6 304.7

245.9 Capital 49,067 42,657 288.2 223.5 304.7 258.7 240.2 201.8 184.1 Key Financial Ratios (in %) 157 Capital Return on Equity 13.7 11.0 in Billions Php Return on Assets 1.6 1.4 Net Interest Margin 6.9 7. 4 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 49.1 Cost-to-Income Ratio 5 7. 2 59.7 Capital Adequacy Ratio 12.9 12.8 Store Network Capital Store Network in Billions Php Per common share data (in Php) 467 Net Income Per Share: Basic 2.8 2.0 Diluted 2.8 2.0 466 467 49.1

42.7 Book Value Per Share 21.8 19.0 445 446 38.8 433 34.4 31.4 Others Cash Dividends Declared (in millions Php) - - Stock Dividends Declared (in million Php) - 7,500 Headcount 7, 3 6 7 7,527 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 Officers 3,138 3,044 Staff 4,229 4,483

EastWest Annual Report 2019 Always ON. Always IN. Always HERE. 04 05

Message from the Chairman

Always here for you

2019 was another eventful year for the global market.

Lingering tension between the United States and China weighed heavily on their major trading partners, including the tiger economies of Asia. A fresh wave of geopolitical tensions swept the European Union, with the impending exit of Britain (Brexit); Asia, with the political protests in Hong Kong and the unresolved territorial disputes of several Southeast Asian nations with China; and the Middle East, with the dispute between Iran and Saudi Arabia, and the war in Syria, among other things.

Not isolated from the rest of the world, the Philippines posted a slower GDP growth of 5.9% in 2019 versus 6.2% in 2018. Further dragging our momentum was the congressional impasse on the approval of the national budget, which curbed government spending for the year. Thanks to our hardworking overseas Filipino workers, who sent home a record $33.5 billion in remittances, consumer spending remained our economy’s growth driver. The Bangko Sentral ng Pilipinas (BSP) relaxed its monetary policies with a series of policy rate cuts to help stimulate the economy and prop up consumer confidence and household spending.

These challenges, however, pale in comparison to the unprecedented crisis that all nations are collectively facing because of the global coronavirus (COVID-19).

While there is no vaccine invented yet, we are already grappling with the economic fallout from this global pandemic. As we prepare this report, it is still unclear how the so-called “new normal” will impact our businesses, our employees, our workplace, and above all, our way of life. One thing, however, is certain: EastWest will always be here for you.

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Message from the Chairman

Times like these are a test to the strength of partnerships and EastWest is determined to be always here for you, through highs and lows.

Our confidence in our ability to serve you is based on our From a business continuity aspect, we have comprehensive We are confident that we will emerge from these straining proven track record of financial strength and stability. plans in place and a designated team mandated to prevent times more resilient and stronger. Times like these are a test service disruption and sustain our operations. Immediately to the strength of partnerships and EastWest is determined Before this pandemic, EastWest posted its highest recorded after the coronavirus broke out in the country, we took steps to be always here for you, through highs and lows. Our income ever of Php6.2 billion in 2019, a 38.0% surge from to implement company-wide measures to protect the health primary responsibility as a financial institution is to protect the previous year. Even as we faced a margin squeeze in and safety of our employees, and are crucial in sustaining the hard-earned money of our customers and to safeguard the first half of 2019 due to the decline in interest rates, the seamless service we offer our customers. We have their financial security. The pandemic has not changed this we quickly rebounded in the second half and continued to clearly defined steps to maintain critical processes during commitment. move from strength to strength due to higher consumer various threat levels. Like many of our peers, we have also lending and trading gains. We stayed the course in our implemented policies to enable work from multiple sites. To our customers and business partners, thank you for your journey to be one of the top five players in the Philippine continued support. Our employees are doing all they can to banking industry. While the pandemic situation is fast-evolving, we assure support and serve you and we will do everything within our our clients, shareholders, employees, and partners that power to ensure that this continues throughout these trying While our financial performance in the first quarter of 2020 EastWest is well positioned to respond to the challenges times. remained robust, we are now more cautious and watchful of that may unfold. We have a strong capital position and the external factors that could potentially cloud our growth our key priority is to maintain a healthy balance sheet in We are always here for you — today, tomorrow and far into horizon. order to continue to safeguard the interests of all of our the future. stakeholders. We have extensive hedging positions in Prior to the pandemic, we were focused on making our place, and continuously monitor market and economic people more competent and effective in their roles, training volatility. We have started to heighten our commitment them to become more responsive to our customers’ to sustainability as we pivot to more paperless and digital evolving needs. Given the new challenges in our operating initiatives that could save the planet, conserve resources, JONATHAN T. GOTIANUN environment, we now have to protect the health and safety as well as enable people to manage their finances. Chairman of our employees and our wider communities.

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Q&A with the Vice Chairman and CEO Always in step with the changing times

Banks have a social obligation to customers and the economy at large. As one of the country’s leading financial institutions, EastWest is in a unique position to enhance customer confidence, help meet financial commitments at a time of disruption, and take proactive measures to help the most vulnerable customers.

In this interview, EastWest Vice Chairman, President, and Chief Executive Officer (CEO) Antonio C. Moncupa Jr. shares how the Bank is taking this social obligation seriously to keep up with the demands of the changing times.

Q: How would you describe the Bank’s operations in 2019?

A: Every year has its own challenges but we managed to soldier on — and quite successfully.

In the first half of 2019, we faced a margin squeeze due to higher inflation and resulting higher interest rates and tight market liquidity. Interest expenses doubled while asset yields did not adjust as much. Market liquidity only started to normalize in the third quarter. Margins recovered to 7.6% in the last quarter from the 6.4% dip in the first quarter of 2019, when deposit costs skyrocketed.

Despite this, we are pleased to report that we performed relatively well. We are getting the benefit of economies of scale with revenues (excluding trading) going up by Php2.3 billion while operating expenses only grew by Php1.1 billion. We also had a better trading year, as trading gains improved by Php890.0 million. We are happy to note that we had our highest income ever in 2019. Net profit was up by 38.0% to a record-high Php6.2 billion, with return on equity of 14.0%, maintaining EastWest’s top-tier industry position in profitability.

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Q&A with the Vice Chairman and CEO

Q: How do you think you can sustain your Q: How did this health crisis affect your Fortunately, we have a convenient and user-friendly mobile Banks that are able to engage borrowers and respond to its record-breaking performance given the business operations? and online banking platform for our customers. Our robust borrowers will be ahead. This will require some effort to unprecedented challenges brought about by information technology infrastructure also makes the understand and help borrowers by tailor fitting repayment the COVID-19 global pandemic in 2020? A: Even before the Enhanced Community Quarantine (ECQ) transition to work from home a bit easier. Before, we were plans that will help them cope with the COVID-19 disruptions. was announced on March 16, 2020, we have already activated looking at this as a response to the legendary Metro Manila With social distancing as a must, banks’ offices will not be able traffic. We have several more projects to improve customer to accommodate everyone as they used to. We have to learn to A: Sustaining good results is always about people. our Business Continuity Plan. We focused on making sure we mobile and online experience and broaden the services we adjust processes to effectively work remotely. Organizations that have the more engaged, competent, and continue to honor our commitment to our depositors and make offer to lessen the need for physical interaction. productive workforce focused on the customer will have better available their monies when they need it. We also ensured that But after all these, competition will go back to winning results. We will continue this effort even as we navigate this our store operations will not contribute to the spread of the We also have some big initiatives. We recently announced our the hearts and minds of customers. As mentioned, only an pandemic. We were looking forward to another record year — virus among our customers and employees. We are happy to entry in the digital race with Komo, the first exclusively digital engaged, competent, and productive workforce can sustain generating at least Php8.0 billion in income for 2020 — until note that we were able to resume operations on June 1, 2020 banking service to be offered by a local bank. Komo will be such effort. Customer service – speed, quality of service, COVID-19 struck. Now we face the prospect of lower profits due with zero COVID-19 infection. offered through our fully owned subsidiary, EastWest Rural and convenience – will continue to define who wins in retail to the higher loan loss provisions we may need to set aside as Bank, under the EPFS license. With Komo, customers can only banking. the economic damage to households and businesses from the We continue to be vigilant against the virus with the necessary perform transactions through a secured mobile app. Since virus-induced disruption unfolds. hygiene and cleaning protocols in our stores and ATM areas to reduce the risk of transmission. We implemented body everything is done digitally with no need for branches, we Q: What are the indicators that you’re return the savings from lower overhead cost to customers with This pandemic is unprecedented and is still playing out. With temperature screening for all our frontliners and visitors moving in this direction? "time deposit-like" interest rates on their savings. no historical guide to anchor on, it is difficult to estimate bad entering our store premises, as well as strict social distancing. debts. A lot now depends on government policy interventions. Unfortunately, this means limiting the number of customers A: I guess success is not just a matter of claims and assertions. Q: Do you see EastWest becoming more and Consumers and businesses, especially MSMEs (micro, small and inside our stores at a given time for their safety and that of our It is a matter of evidence. If you are growing and are profitable, medium enterprises), need assistance. Fortunately, the country staff. We provide hand sanitizers, face masks, and alcohol. We more a digital bank? you must be doing something right. So far, our growth and has healthy fundamentals and programs to assist households are also testing all our people who are reporting for work. profitability have compared favorably with our competitors. and businesses to contain the damage. A: EastWest will always adapt to customers’ needs. We are We expect to remain among the more profitable banks in terms Banking operations are not expected to go back to pre- making investments in digital because we see the shift in some of return on equity. We intend to continue with the old-fashion Looking back, we see the wisdom of the BSP’s move to enforce COVID days as customers also minimize their store visits and segments of the market towards digital channels. However, we formula: take care of our people and adapt to the needs of stricter capital adequacy regulations in the local banking interaction with our staff. We have also adjusted and asked also recognize that there will always be a customer segment customers. This is also what will allow us to get through this industry. It has also been swift, proactive, and decisive in its those who are not dealing with customers to work from home. that wants and needs the brick and mortar distribution model. pandemic. policy adjustments during this pandemic, giving us confidence We expect to continue providing transportation to our people Our efforts in digital banking allow us to serve these sub- that the economic fallout from this health crisis could be who are reporting for duty. segments of the population whose needs fit a digital-centric managed. model. Q: There is now much talk about the use of This pandemic will come to pass, as all crises do. We are digital in banking. How are you with it? Q: So what will be the real battleground for confident we have a good foundation to weather this crisis and banks? Antonio C. Moncupa Jr. resume growth. EastWestbankers will see to that. A: We always believe that digital is the way of the future. It Vice Chairman and Chief Executive Officer is more cost efficient and convenient. To some degree, this A: The immediate agenda now is to minimize the damage pandemic has accelerated digital adoption, not only in what we from COVID-19 and adapt our operations to the “new normal,” offer customers, but also how we do our internal processes. characterized by social distancing and caution to avoid the disease.

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Operational Highlights

Consumer Lending With higher consumer confidence in 2019 due to the decline in A testament to our market leadership is the accolade we interest rates and slower inflation, the operating environment received at the 2019 Asian Banking and Finance Retail Banking proved very conducive for consumer-focused banks such as Awards. EastWest Auto Loan bagged the “Automobile Lending EastWest. Initiative of the Year” and “Consumer Finance Product of Sustaining Our Growth Momentum the Year” awards for the Philippine category, given by the Auto Loans prestigious Singapore-based publication. EastWest continues to aspire big: to be among the leading deposits swelling to Php186.8 billion — the highest in the In 2019, auto sales in the country bounced back with a slightly consumer-focused banks in the country, as well as a world- history of EastWest. This was 28.0% higher than in 2018. higher growth of 3.5% year-on-year, according to the Chamber class bank known for having excellent customer service and of Automotive Manufacturers of the Philippines, Inc. and Truck relevant products. We have been making significant progress in transforming Manufacturers Association. Auto Loans continued to comprise Retail Banking over the years, sharpening our brand the largest share of the Bank’s consumer loan portfolio, Despite the increasingly challenging operating environment, proposition and taking advantage of our powerful core banking growing into a major player in the industry with a 29.0% growth we continued to make our presence felt in our chosen markets. system to offer tailor-fit solutions. Some of the major initiatives in total amount financed in 2019 versus the previous year, and In 2019, our business units embarked on various initiatives that done in 2019 include the following: a cumulative growth rate of 21.0% in loan receivables. enable us to sustain our growth momentum, as well as further

enhance the customer experience we provide. • Enhancing our customer acquisition capability by Our Auto Loans business also got a boost when we acquired refocusing our sales personnel and sales management Philippine Bank of Communications’ dealership-generated process PERSONAL BANKING auto loan portfolio that are current and performing as of cut-off • Intensifying EastWest’s deposit generation efforts through date, February 28, 2019. The portfolio involved 6,427 accounts Retail Banking Project Carbon, which involves enhanced customer that we acquired to the tune of Php3.5 billion. The Philippine Our Retail Banking Group (RBG) serves the banking needs of segmentation; better products, services, and pricing; Competition Commission approved the deal on June 18, 2019. thousands of individual and middle-market customers. In stronger marketing support; sales effectiveness; and higher 2019, we grew our network to 467 stores with the addition of customer engagement and retention We continued to strengthen our Auto Loans business by forging (Left to right): Alessandro L. Villaraza, First Vice President (FVP) and Marketing EastWest Il Corso inside Filinvest Lifemalls on the South Road & Corporate Communications head; Josephine Vilma A. Abad, VP and Head of • Strengthening our governance by institutionalizing some exclusive dealer partnerships, expanding our satellite centers Properties in Cebu City. EastWest Consumer Lending Visayas & Mindanao Business Centers; Jocelyn C. changes in our day-to-day operations and re-training our to invigorate our market reach in the provinces, mounting Legaspi, FVP & Head, EastWest Auto Loan Sales; and Tim Charlton, editor-in- chief of Asian Banking and Finance, during the 2019 Asian Banking and Finance people on basic Know Your Customer and Anti-Money unique marketing and sales programs, and intensifying brand In the same year, our retail banking business achieved a Retail Banking Awards held at the Shangri-La Singapore. Laundering Act requirements marketing. All these efforts enabled EastWest to become one of milestone in deposit generation, with our low-cost (CASA) the leading providers in the auto loans business.

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Operational Highlights

Credit Cards Available in Platinum and World variants, the premier travel With tighter competition from new players that specialize in Our Credit Cards business recorded a 14.0% growth in 2019, card allows jetsetters to earn three KrisFlyer miles for every non-traditional financing and from the proliferation of new with total billings posting a 9.7% rise to Php53.0 billion versus Php45 and Php36 spend, respectively, when they use their digital platforms, we plan to maintain our leadership position 2018. We maintained our position as the 5th biggest credit card card to buy tickets from Singapore Airlines or for overseas and by: issuer in the country, with a cardholder base of over a million. online purchases. • Further shortening the turnaround time for loan processing and approval To remain competitive and gain more share of wallet, we The cards were launched in a formal event on July 31, 2019, continued to intensify our cross-selling and marketing efforts, capped by a mesmerizing performance by EastWest brand • Providing accessibility and ease in application through various channels respond to customers’ need for increased credit limits, perform ambassador, the multi-awarded and world-class performer, risk profiling, and offer targeted promotions aided by data Ms. Lea Salonga. To sustain the buzz and excitement from the • Offering convenience in loan disbursement analytics and other digital tools. Our online channels helped launch, EastWest also sponsored a familiarization tour where • Extending customer-friendly service and affordable rates to further grow our cards business, enabling our customers to lifestyle media and social media influencers were invited to • Making our customer care hotline even more dependable check their credit limits and pay their credit card bills online an experiential trip to Singapore with business class seating Home Loans • Continuing proven and effective best practices with utmost security and confidence. onboard Singapore Airlines. This aggressive marketing We continued to meet the demand for Home Loans in 2019, • Tailor-fitting the PL product as customer needs evolve campaign boosted our Platinum and World cardholder base as our portfolio grew 10.0% from the previous year. We • Staying relevant through innovative and market-first In 2019, we partnered with KrisFlyer, the frequent flyer program to almost 4,500 in just five months in 2019. Of the total newly benefited from stronger partnerships with accredited real propositions and services of the world’s most awarded airline Singapore Airlines, to offer issued and activated cards, the average monthly billings stood estate developers, as well as seized the growing market of the EastWest Singapore Airlines KrisFlyer Mastercard. at Php152,000 per card, exceeding our target by 334.0%. overseas workers, first-time buyers from the middle class, and millennials who are starting to invest in housing.

Personal Loans With growing disposable income, more Filipinos took advantage of the relatively lower interest rates and availed of personal loans (PL) in 2019. This enabled us to sustain our portfolio growth at 33.1% compared with the previous year’s level, with Php8.4 billion in PL booked.

Despite stringent government regulations on data privacy and consumer protection, borrowers’ demand for collateral- free loans to augment their spending power helped increase our PL sales volume by 23.0%. Aggressive customer While we expect the economic contraction in the coming years acquisition, portfolio initiatives, superior service, and to pose a challenging environment for borrowers, we will branding campaigns to improve product awareness helped continue to grow our customer reach and solidify our solidify our position as one of the top PL providers in the leadership position in the country’s highly competitive country. consumer lending business. Once the economy is on the recovery path, we expect more Filipinos to regain their spending power, and EastWest will continue to be here to fulfill their dreams and make good things happen.

EastWest (EW), Singapore Airlines (SIA), and Mastercard executives celebrate the launch of the premier EastWest Singapore Airlines Krisflyer Mastercard. (Left to right) Mastercard Philippines Country Head Rowell del Fierro; EW President and Deputy CEO Jesus Roberto S. Reyes, EW Vice Chairman and CEO Antonio C. Moncupa Jr., EW SEVP and Chief Lending Officer Jacqueline S. Fernandez, and Filinvest Development Corporation (FDC) President and CEO Josephine Gotianun-Yap; Singapore Ambassador to the Philippines H.E. Gerard Ho; SIA VP Loyalty Marketing Ryan Pua, SIA Regional VP Southeast Asia WK Lim, SIA General Manager Philippines Lee Yong Tat, and SIA Head of Marketing and PR Aiza Soller-Garcia; and Mastercard Southeast Asia Market Development SVP Peter Chisnall

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Operational Highlights

During the year, EastWest Priority brought its priority banking CORPORATE BANKING in assets under management (AUM) to Php35.0 billion from proposition closer to our chosen markets with the opening Php24.8 billion, year-on-year. This enabled us to enlarge our of a brand-new EastWest Binondo Priority Center located on Lingering uncertainty over the direction of interest rates in 2019 market share and generate revenues of Php70.5 million, which Quintin Paredes Road in Binondo, Manila in February 2019. made corporate borrowers skittish throughout the year. Some translates to a 37.5% jump from 2018. The stellar performance In less than a year, the new Binondo Priority team aggressively accounts were paid off ahead of maturity in anticipation of an can be attributed to increased synergy among our Trust unit, grew the business and established itself firmly in the Binondo uptick in loan rates while others with pending loan drawdowns Wealth Management, and Retail Banking Group, bolstered by market as a key player in the wealth space, contributing 37.0% opted to defer their borrowing plans until rates normalize. As a the aggressive cross-selling efforts with our insurance affiliate, of the total wealth portfolio in 2019. result, the Corporate Banking Group’s loan portfolio slightly fell Troo. to Php71.3 billion from Php73.5 billion, or a 2.9% dip, year-on- EastWest Priority also became one of the few wealth year. management businesses in the country that boasts of a nationwide footprint. EastWest Priority Davao and Cebu began Corporate Lending accounted for the bulk of the portfolio at operations in mid-2019, contributing close to 15.0% of the Php70.6 billion while Emerging Enterprise Lending contributed overall growth of the business. More Priority Centers will be Php720.0 million. Our Cash Management Services (CMS), opened in other strategic locations in key cities across the meanwhile, posted a robust 41.3% growth, ending 2019 with Philippines. Wealth Management a portfolio of Php48.0 billion from year-ago’s Php34.0 billion. Strongly driven to deliver superior customer service and This enabled CMS to contribute Php134.8 million in fee income, world-class investment alternatives, EastWest Priority a 108.4% surge from Php64.7 million in 2018. We were able to achieved another banner year in 2019. Served by our Wealth enlarge our customer base after rolling out a CMS specialist Management team, the business recorded a 17.0% year-on- training program in 2018 that enhanced our service standards year growth in total assets under management (AUM). Given its and quality. CMS also introduced e-mail and onsite support to sustained growth for the past two years since its official launch, complement its existing remote support to clients. Fixed Income and Foreign Exchange EastWest Priority is poised to secure a place in the league of Brokerage the top Wealth Management businesses in the local banking We sustained our growth in this business through increased industry. PRODUCT GROUPS volume and trading activity in the secondary fixed income and foreign exchange markets. Fueling this growth were deepening initiatives and an effective client acquisition program that attracted new-to-bank The increased participation of our retail customers in fixed customers, resulting in an 18.0% rise in total number of clients income transactions and the growing number of active clients served. Total deposits generated from this customer segment in foreign exchange deals enabled us to boost our incomes by alone jumped by over 30.0% while investments portfolio grew 62.0% from fixed income brokering and by 32.0% from foreign by 12.0% versus end-2018 levels. AUM via our Trust business exchange transactions. The Fixed Income and Foreign Exchange rose by 23.0%. Brokerage distribution unit also onboarded more than 1,000 (Left to right) EW Vice Chairman and CEO Mr. Antonio C. Moncupa Jr., EW Binondo new clients in 2019, generating USD450 million in incremental Priority Client Relationship Officer Lyxen Ocampo-Tan; EW Binondo Priority volume for the Bank. To complement our thrust to deliver a holistic approach to Relationship Managers Katrina Chan and Kennesie To; VP & Head of Binondo portfolio management for our client base, EastWest Priority Priority Center Christopher Lao; EW Binondo Priority Client Relationship Officer also offers protection and legacy planning alternatives through Tristen Chua; EW President & Deputy CEO Jesus Roberto S. Reyes; EW FVP and The number of fixed income and FX deals almost tripled while Head of Wealth Management Richard Chester C. Tamayo its bancassurance platform. This also delivered record numbers the average transaction size more than doubled. This enabled Trust th for 2019, with a threefold increase in total policies issued from us to move up in the Top Broker Rankings: to 9 out of 33 in In step with the double-digit growth in the local banking th year-ago results. 2019, from 15 of 31 in 2018. industry in 2019, our Trust business posted a 40.6% increase

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Operational Highlights

SUPPORT GROUPS Customer Service: Key Performance Indicators Service Quality CATEGORY PARAMETER 2019 2018 Inbound Service Level Response rate 86% 88% within 20 seconds Email Service Level Response rate 100% 100% within 24 hours Inbound CSR Number of daily 59 62 Productivity emails handled per Customer Service Representative Email CSR Productivity Number of daily 73 75 emails handled per Customer Service Representative TREASURY & MARKETS Abandoned Calls Percentage of daily 2% 2% calls unattended In an era of increasing competitiveness and complexity, service In 2019, the Bangko Sentral ng Pilipinas (BSP) cut reserve Anti-attrition/Win-back Success rate 84% 78% Save Rate in preventing quality has the potential to be the ultimate differentiating requirements by 400 basis points to 14% to inject additional Customer Service customer attrition factor for service-oriented enterprises such as banks. At liquidity into the system. Moreover, its policy rate (overnight We regard customer service as a vital component of a quality Quality Assurance Customer 95% 93% EastWest, our Service Quality (SQ) unit plays a vital role in reverse repurchase rate) was cut by a total of 75 basis points to customer experience as it directly impacts how we engage Rating Satisfaction (CSAT) determining our superior performance in terms of market end at 4% in December 2019. Both monetary actions were done our customers. Our Customer Service (CS) unit thus plays rating share, customer loyalty, and improved profitability. to encourage bank lending and to stimulate economic growth. a critical role in our business, with our Customer Service The combined impact of the monetary policy actions drove Representatives (CSR) as our frontliners in creating pleasant Other CS initiatives in 2019 are the following: In 2019, SQ focused on these initiatives to improve our yields down towards the second half of the year. EastWest's interactions with our customers while addressing their customer responsiveness: • Implementation of several ticketing and tracking systems Treasury was well positioned for this market condition as the pressing needs. To this end, our goal has always been to exceed to ensure proper monitoring and fulfillment of various buildup of the portfolio happened much earlier when yields • Automating manually tracked services of various groups in customer service expectations. requests were still high. the Bank using Sharepoint as our Service Tracking Tool. This • Setting up and providing customer service support for major enabled groups to be notified real time of service requests, 2019 was a busy year for CS due to the surge in card scams and Bank projects such as the EW Singapore Airlines KrisFlyer cybercrimes worldwide. These incidents resulted in a higher Mastercard and the PBCOM Auto Loan accounts prompting earlier resolution. It also made it possible to track and report performance. volume of client calls and emails as well as longer hours for our • Start of the CS application system upgrades for Talisma CSRs to talk to affected clients. As such, CSR productivity was (email application system) and Workforce Management • Mandating all frontline groups to establish a Complaints lower in 2019 compared with the previous year. On the other (operations application system) in 2019, with the full Handling Process and providing them with a Complaints hand, CS still managed to maintain its email service level at implementation in 2020. Other projects utilizing Consumer Tracking System to standardize the capture, recording, Lending’s chatbot facility for CS-related services are 100% and respond to 98% of the calls. and reporting of complaints. This led to better complaints scheduled for development in 2020. Our Telemarketing team achieved an all-time high sales record management and resolution as it is now easier for groups to as sales productivity significantly improved. discuss and take actions on resolving complaints.

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• Extending our Video Mystery Shop program to our EastWest turnaround time in delivery and accuracy of accounting Information Security and Data Protection Office Rural Bank and Troo. Through this initiative, we were able reports, and helps improve operational efficiency for the Our Information Security and Data Protection Office (ISDPO) rolled out the following initiatives in 2019: to gain insights into the service quality in our subsidiary and Controllership group. This is the first of a suite of capabilities Data Privacy Learning Module for Learning & This is an online examination module that aims to provide continuous Development affiliate. that we will be consolidating into OneSum X, with the Assets learning for all EastWestbankers. We launched the Data Privacy content to gauge and improve the awareness of data privacy protection rules • Intensifying our customer satisfaction (CSAT) initiatives, and Liabilities Management (New Market Risk) and Financial among employees. both for internal and external customers. For our external Reporting Package lined up for completion in 2020. IS Awareness Roadshows (Bankwide) This is a classroom-type discussion that aims to raise consciousness on customers, we improved our Welcome Check for new-to- potential risks of the rapidly evolving forms of information and threats. bank credit card, personal loan, and auto loan customers. We also entered into several partnerships to strengthen the Phishing Campaign This campaign aims to raise information security awareness among security and agility of our technology infrastructure. These employees by sending out phishing emails to targets and see how they For our internal CSAT, we have expanded the survey handle the phishing attack. coverage to more business teams of the Bank. partnerships include Bank Genie on mobile check deposit and lobby management system, Unscramble for ChatBot AI, and Managed Security Operations Center (MSOC) This centralized unit deals with security issues on an organizational and technical level. Various information security-related events are Microsoft for Azure cloud service. now being observed, investigated, and mitigated daily. Potential Information Technology targeted phishing websites are proactively being addressed. Technology has opened up new markets, products, and We also completed the upgrade of our collection system and Privileged ID Tool Privileged Access Management (PAM) is a solution that helps services for the Bank. It also offered limitless possibilities for us the implementation of an Integrated Insurance Brokerage organizations restrict privileged access within an existing Active Directory environment. Through the use of PAM, EastWestbankers can to differentiate ourselves in the market through excellent System (IIBS) for our insurance brokerage group, providing now review and pinpoint who logs in where, and what activities they service. more capability and resolving legacy issues to improve did on a particular endpoint. operational efficiency. Mobile Device Management This cloud-based service focuses on mobile device management and We continued to invest in the enhancement of our IT mobile application management. Mobile Device Management allows infrastructure in 2019, which includes completing the our employees to use their own mobile device for productivity. Due successful upgrade of our General Ledger system to OneSum X, to the growing demand of users looking to continue their business outside the Bank’s network, a security solution was launched to in partnership with Wolter Skluwer. This allows for better protect Bank assets. Data Leak Protection (DLP) This data loss prevention software detects potential data breaches or data ex-filtration transmissions and prevents them by monitoring, detecting, and blocking sensitive data while in use, in motion, and at rest. This enables EastWest to see potential sources of data leaks outside the organization. ISDPO is also able to track groups that send out data.

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We believe our people should have the Our People opportunity to fulfill their potential and thrive and the Community in an inclusive and collaborative workplace.

Our Roadmap We remain steadfast on our HR principles. As the market EastWest is the 5th biggest organization among Philippine changes, we know that our methods of work will have to adjust banks with an employee base that is 7,367-strong as of end- accordingly. Organizational development efforts, particularly 2019, including those in our parent bank and subsidiaries. on performance management, will have to be attuned to the Our leadership – composed of 249 senior officers and bank challenges of the times. Our HR Group seamlessly delivers executives along with 2,889 junior officers and senior managers HR services to the organization while liaising with Senior – drives our people strategy that strikes a careful balance Management and various business units on the execution of between taking care of people and achieving business results. the overall HR strategy.

Under our Role clarity, Environment, Development (RED) Rewards Philosophy framework, our Human Resources team leads the charge We provide competitive remuneration to reward employees in translating our vision for EastWestbankers to become a for meritocracy and commitment to our business strategy and sustainable model. The professional development of every long-term success. Our remuneration approach is designed EastWestbanker is our topmost priority. to inspire our employees to embrace our core objectives and values. Performance against key performance indicators drives On role clarity: We have an ongoing effort to define our employees’ variable reward outcomes. the Mandate, Activities, and Key Result Areas (MAKs) for each unit and job in the Bank. This is to ensure clarity To remain competitive, we monitor trends and movements in in EastWestbankers’ roles, functions, purpose, and their the labor market to make sure we are offering remuneration importance in the organization. The MAKs also aid in tracking and rewards packages that stay at par with industry standards. job performance results based on our five-year business plan, We abide by a distinct rewards philosophy that emphasizes our annual business goals, and our operating structure. Our fairness and contribution to the Bank. key results areas (KRAs) are measured in a scorecard based on four pillars: Corporate, Functional, People, and Governance. We always strive to make every EastWestbanker a valued All these govern our organization’s overall performance — from member of our organization. Thus we go beyond salary grade top line to bottom line, and from customer service to employee and structure and offer EastWestbankers: engagement. • Merit increase and profit share On environment: We continue to measure our employee engagement and satisfaction score to track the health of the • Health insurance coverage Always here to serve organization and hear the voice of our employees. The results • Tools for professional development and career satisfaction aid our management in undertaking the initiatives needed to achieve our workplace goals. To reach our journey to becoming one of the top five leaders have also provided some of our frontliners with the needed Our systems, processes and practices are designed to empower in the local banking industry, EastWest invests in our people transportation and living accommodations so they can be fair treatment. We do not tolerate any form of unlawful On development: We continue to enhance the competency discrimination, bullying or harassment. so they have the right knowledge and skills, supported by a physically present in select store operations during the of our people to help them achieve their professional healthy culture that is inclusive and collaborative. Enhanced Community Quarantine in Luzon, which was development. Engaged employees lead to excellent customer imposed on March 16, 2020. service and naturally adhere to our governance standards. Our commitment to provide our people with safer, more In line with this and together with our MAKs initiative, we are creative, and more efficient ways of working has become No matter if they are on the frontlines or are working earnestly mapping the competency requirement of each job in the Bank more paramount because of the ongoing coronavirus in the background, our people are our most precious asset to ensure that all jobs have the necessary competencies to do (COVID-19) global pandemic. To this end, we have started to in our continuing commitment to be always here for our their function effectively. shift to a flexible work policy so our office-based employees customers. can continue to support the needs of the organization. We

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Our People and the Community

Health and Safety The culture of care and trustful relationships is a fundamental Our highest priority is the safety of our operations, including principle of our employee relations strategy. Through our our employees and the communities in which we operate. We Employee Relations Council (ERC), we are able to ensure The ERC Blueprint has six talent-focused have heavily invested in our employees’ health and well-being, the well-being, enjoyment, and engagement of our people. which leads them to feel, think, and perform better for a more Established in the mid-1990s, the ERC is an independent programs: robust work environment and satisfying customer service. committee composed of representatives from the rank and file and is led by the ERC Chairman. It currently maintains a stable In 2019, we focused on the following health and safety of leaders and coordinators from 42 different units within myVoice – Employee feedback and suggestions initiatives: the organization. The Bank allocates a meaningful budget for the ERC to mount programs and activities that nurture an • Emergency medical care engaging environment and a collaborative mindset among our myCareer – Opportunities for improvement and employees. due recognition of hardwork and service loyalty • Over-the-counter medicines for employees, as closely

monitored in on-site clinics with access to physician and The ERC emblem signifies the group’s commitment as a partner nurse services of all units of the Bank that provides employee programs myShare – A chance to make a difference by myWelfare – Well-being, comfort, and safety in • Annual physical examination (APE) of employees and their anchored in the ERC Blueprint. Unveiled in 2017, the emblem leading the Bank’s corporate social responsibility the workplace dependents, alongside executive check-ups for Bank officers features the following elements: (CSR) • Continuing occupational H&S programs including fire and earthquake safety, emergency preparedness, and prompt • Gold – Signifies wealth and represents employees as the myWellness – Best practices for a healthy advisories on long weekends Bank’s most valuable assets myPlaytime – An environment of fun, creativity, balance of the body, mind, and spirit and enhanced learning • Health alerts, wellness fairs, and medical specialists’ talks • Shield – Stands for the strength and stability of EastWest and orientation on clean workplaces, eco-friendliness, • People – Embodies EastWest’s service pillars: Personable, responsible smoking, and medical consultation, to name a Dependable, and Proactive few • Laurel leaves – Represent service excellence, the focus area • Compliance with relevant H&S rules and regulations to the that supports and helps realize the Bank’s full potential Department of Labor and Employment (DOLE) EastWestbankers in the Community • Brigada Eskwela: We sustained our commitment to the By sharing our time, skills, and resources, we aspire to make Department of Education’s Brigada Eskwela adopt-a-school • ERC-led events, clubs, and programs for body-mind To cater to and ignite individual passions and interests, ERC a positive difference in our community. ERC mobilizes our program. In 2019, EastWestbankers generously offered awareness, sports, and camaraderie within the Bank formed seven personal interest clubs: the Click camera club, volunteer force to make these things happen. Below are the their time, effort, and creativity to repaint blackboards and Milers run club, Voices choral group, Racquets badminton club, ERC initiatives in 2019: classroom doors at Kapitan Eddie T. Reyes Integrated School Hoops basketball team, Motion dance group, and Positivity Employee Engagement in Taguig City before the start of the academic year in June financial literacy club. 2019. Employee volunteers also donated fresh paint and We believe our people should have the opportunity to fulfill • Philippine Red Cross Blood Drive: In a drive dubbed other materials to the effort. their potential and thrive in an inclusive and collaborative #BleedForACause, EastWestbankers participated in a blood These clubs elect their own set of officers to spark common donation activity in partnership with the Philippine Red workplace. In our experience, these promote productivity and interests inside and outside of the Bank. The ERC commits • HIV/AIDS Awareness: In support of the Philippine HIV and wellbeing, which are critical to building a high-performance Cross. This blood drive is part of the “myShare” blueprint Aids Policy Act of 2018, the ERC, together with the HIV & to engage, support, and spearhead activities to cultivate which conducts corporate social responsibility activities. A organization. We regularly benchmark our employee organizational harmony and growth at every level. AIDS Support House, Inc., conducted an awareness seminar engagement performance using a third-party global search firm total of 65 units of blood were collected from 81 employees, which was attended by bank employees. potentially saving 195 lives. that evaluates our strengths and areas for improvement as an The ERC is also instrumental in mobilizing EastWestbankers’ organization. participation in the Bank’s CSR and volunteerism activities, which center on health, education, and environment.

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Our People and the Community

As part of EastWest’s 25th anniversary celebration, the Employee Relations Council (ERC) distributes a commemorative Personal Go-Bag to all EastWestbankers. ERC visited the Pasong Tamo office to personally deliver the Go Bags for emergency preparedness.

Volunteers from EastWest Bank Retail Banking Group - Division 17, led by Ms. Bick-Bick Jaucian, sustained their The ERC invited key speakers to conduct one-hour Lunch & Learn talks on topics about stress management and HIV & AIDS awareness where employees can partnership with the Department of Education (DepED) with the Brigada Eskwela initiative at the City of Bacoor sit and learn while having lunch. National High School in Bacoor City, Cavite.

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Sustainability at EastWest

EastWest publishes its first environmental, social, and Approach to ESG Sustainability Governance governance (ESG) report. This details our non-financial All new employees are provided with a copy of the Code of performance across the economic, environmental and social 2019 was a milestone year for us as we marked our 25th EastWest is committed to responsible corporate governance Conduct to accept and sign during their induction, ensuring aspects of our business for the reporting period from 1 January anniversary and celebrated our achievements and growth. built on a solid foundation of integrity and accountability to that they fully understand the Bank’s ethical standards. In 2019, 2019 through 31 December 2019. As we embark on our next chapter, we remain committed to our stakeholders. We maintain strong governance practices EastWest experienced 20 incidents of fraud or misconduct by growing our business in the long term and forging customer to ensure proper monitoring of risk management, internal employees. These incidents were promptly investigated and This section satisfies the “comply or explain” provisions in relationships that last. controls, and other compliance matters. The Board is the concerned employees were disciplined with the penalty of accordance with the Sustainability Reporting Guidelines for responsible for setting our overall ESG strategy, evaluating suspension or terminated. Publicly Listed Companies (SEC Guidelines) issued by the We also recognize that our customers and other stakeholders ESG-related risks, implementing sustainability initiatives, Philippine Securities and Exchange Commission (SEC) and set have increasing expectations about the environmental and and measuring their impacts. It is supported by our senior KPI: Anti-Corruption Training forth in SEC Memorandum Circular No. 4, series of 2019. It was social performance of our business. We are committed to management team, including our Risk Management Division, % Employees who have received written 100% prepared with reference to the Global Reporting Initiative (GRI) improving our overall sustainability performance without which implements risk management and internal control communication on anti-corruption policies and Standards Reporting Guidelines. compromising our economic performance and our record of systems. procedures excellent customer service. % of business partners who have received written None Scope We are working to strengthen our sustainability governance communication about corporate anti-corruption The scope of this section covers EW and one of its primary Within our own operations, we are working to strengthen our structures and mechanisms and to integrate economic, social, policies and procedures subsidiaries, East West Insurance Brokerage, Inc. (together, the data collection systems to better understand and manage and environmental structures into our business decision- % of directors and management who have received 100% Group). East West Rural Bank, Inc. (EWRB), an EW subsidiary, our environmental and social impacts. In the coming years, making processes at all levels. anti-corruption training and EW affiliate, East West Ageas Life Insurance Corporation we intend to establish strategic priorities and initiatives for % of employees who have received anti-corruption 97% (Troo), a joint venture with Ageas International Insurance, Inc., our ESG performance. These initiatives will be guided by our For more information on our corporate governance and training are excluded from the scope of this section. materiality assessment and our core values including, among risk management practices, please refer to the Corporate others, Integrity, Excellence, Mutual Concern, Sense of Urgency, Governance and Risk Management sections of this Annual Our anti-corruption efforts are supported by the following Materiality and Leadership. Report. related policies: In accordance with the SEC Guidelines, the content of this • Conflict of Interest Policy section is guided by the principle of materiality and focuses on As we work to strengthen and further integrate sustainability Anti-Corruption economic, environmental, and social impacts of our operations into our corporate culture, we remain committed to ensuring Bribery and corruption are significant ESG risks that can • Insider Trading Policy and activities in the Philippines, as well as our approaches to that all our employees conduct business in a responsible undermine trust in a company and have direct impacts on its • Anti-Money Laundering Policy customer management, employee training and development, and ethical manner. Our Code of Discipline and Ethics (Code performance. We take corruption seriously and are committed • Related Party Transactions Policy and resource management. of Conduct), Whistle-Blowing Policy, Ethics-Direct initiative, to ensuring compliance with applicable laws and regulations Equal Opportunity Policy, Consumer Protection Program and on anti-corruption, anti-bribery and money laundering, among Moving forward, we intend to conduct a materiality assessment Grievance Procedures are observed across the Group. others. We also adhere to standards of conduct to prevent or For more information on these policies and our corporate that will enable us to focus our energy and resources on regulate the offer or receipt of gifts or other advantages that governance practices, please refer to the Corporate Governance a sustainability agenda that is strategic to our business, may induce dishonest, improper or illegal conduct, or which section of this Annual Report. promotes growth, manages impacts and minimizes risks, and may create an actual or potential conflict of interest. contributes to our sustainable development as one of the fastest growing banks in the Philippines. In 2019, no Directors were found to be involved in incidents of corruption, and were removed or disciplined. We also plan to work closely with Filinvest Development Corporation, our parent company and controlling shareholder, All employees are mandated to follow our Code of Conduct that to align our approaches with ESG and to drive sustainability provides a framework for all EastWest’s operations and sets out initiatives and programs. standards of behavior, including day-to-day business conduct and customer service interactions. Implementation of the Code of Conduct’s guidance on anti-bribery and anti-corruption is supported by our Whistle-Blowing Policy, which is described in detail in the Corporate Governance section of this Annual Report.

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Sustainability at EastWest

Social There are no collective bargaining agreements in place within Beyond training, all regular employees take part in an annual Our Employee Relations Council (ERC) organizes and hosts a the Group. performance evaluation. In addition, we recognize employees, wide range of employee engagement activities such as sports Our People based on their years of service and the results of their and family days, which promote camaraderie, teamwork, and We have an ingrained corporate culture that is customer- Learning and Development performance reviews, with merit increases and profit-sharing. physical wellbeing for employees and their families. centric, focused on delivering high-quality banking services to We believe that cultivating a highly skilled workforce our customers with honesty and integrity. We recognize that and supporting employees’ long-term career goals is an KPI: Total Hours of Training*, by gender For more information on our employee engagement programs, our employees are essential to the success of our business integral part of sustaining and strengthening our economic 2019 please refer to the Our People and The Community section of and we deeply value their contributions. We aim to cultivate performance. Through our Learning and Development Team, Male 93,640 this Annual Report. an environment where they will be healthy, engaged and we offer a wide array of professional development programmes productive. To accomplish this, we invest in our employees and that aim to nurture talent and help employees build skills and Female 255,014 Health, Safety, and Wellbeing provide them with rewarding career paths. capabilities so that they can fulfill their potential. We have Total 348,654 We value our employees’ health and wellbeing and are specific learning and development programs in place to train committed to providing all employees with a safe, secure and Employee Profile candidates to become Store Managers, Service Managers, KPI: Average Hours of Training per Employee*, by gender healthy working environment. In accordance with our Policy As of December 31, 2019, the Group has 6,381 permanent, Business Development Sales Officers and Account Officers. 2019 and Data Relating to Health, Safety and Welfare of Employees full-time employees in its head offices, rural bank branches, Male 45.74 (HSW Policy), we strive to ensure that all work and work-related and the insurance brokerage. Most of our people are employed Our other learning and development programs include: activities are performed in a responsible and safe manner in Female 60.59 full-time on a permanent basis in our Retail Banking Group. compliance with applicable laws and regulations. The lowest salary in the Bank is 7.0% higher than the statutory • On-the-job training Total 106.33 minimum wage. The attrition rate in 2019 is 23.1%. • Internal job rotations and transfers Our Health and Safety Committee (HSC) is responsible for *Permanent employees overseeing implementation of the HSW Policy and ensuring KPI: Permanent Employees, by gender • Mentoring opportunities that the HSW Policy and guidelines are fully observed across Diversity and Inclusion the Group in accordance with applicable laws. The HSC meets Male Female The Group does not discriminate against any person based monthly, reviews the HSW Policy regularly, and develops new 2,081 4,300 Training program Description on gender, age, and ethnic, political, religious, or cultural guidelines for implementation as required. New Employees A three-day orientation for new backgrounds and complies with applicable laws related to the KPI: Employment Type Orientation Program employees, designed to introduce to same. We are proud of our record in promoting diversity in the All employees are expected to comply with the requirements Executive 246 (NEOP) them the Bank, its vision, mission and workplace, with female employees representing 67.0% of our of our HSW Policy and receive mandatory training on HSW core values, and equip them with the workforce. In addition, as of December 31, 2019, 53.0% of our Manager 560 fundamental knowledge needed to through our Learning Everywhere Anytime Platform (LEAP), the senior management positions were held by women and 27.0% Supervisor 2,044 perform their tasks. Group’s online training portal. of our Board of Directors were women, reflecting our strong Rank & File 3,501 Store Manager’s A program that aims to help internal commitment to gender diversity and fair hiring practices. Contractual 26 Development Program candidates develop the operational Health and Safety: By the Numbers (SMDP) and management skills required to Consultant 4 become a Store Manager. Additional information about our Board members is available in the Board of Directors section of this Annual Report. Total 6,381 Business Development A program that provides internal 14,239 health and safety training hours Sales Officer Development candidates with targeted training in 3 health and safety training programs Program (BDSODP) customer service and management to Employee Engagement Hiring and Benefits prepare them for the Service Manager We deeply value our employees and work to further engage 4 safety drills related to earthquake and fire preparedness them through a variety of events and activities in and out of the Our full-time employees receive competitive remuneration position. emergency Go Bags distributed to employees for office. These events not only contribute to overall employee 7,304 packages with a variety of benefits, including medical care, Account Officer A program that aims to equip Account disaster preparedness, Php1,556,200 invested group life and accident insurance and retirement benefits. In Development Program Associates with the knowledge wellbeing, they create stronger connections among employees addition, we provide the following benefits to our employees: and skills necessary for career and increase employee satisfaction and productivity. 0 workplace fatalities development. Includes eight, part-time • Paid Leave for vacation, illness, maternity and paternity, 0 lost-person days due to work-related injuries solo parent, emergency, birthday and other special study modules focused on tailored skills development. circumstances 0 lost-person days due to work-related illness • Salary, housing and car loan funds for eligible employees • Funeral assistance • Rice and medicine allowance

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Sustainability at EastWest

In compliance with Republic Act No. 7877, EW is committed Consumer Protection Program In 2019, we received 179 substantiated complaints related to Our Manual of Customer Assistance provides employees with to maintain a work environment that is free from all forms of customer privacy, all of which were promptly addressed and detailed guidance on customer assistance processes and sexual harassment which can result in an intimidating, hostile • EW Consumer Protection Standards of Conduct resolved. During the reporting period, there were no data timelines, including on receiving, acknowledging, investigating or offensive environment for the employee. • EW Consumer Protection Standards Monitoring and breaches, including leaks, thefts, or losses of data. and resolving customer complaints. This ensures that Reporting complaints are acknowledged and attended to within one The Employee Relations (ER) team also operates an employee For more information on our consumer protection programs, banking day and are dealt in a courteous and professional • EW Consumer Protection Training Program telephone hotline to answer employee queries regarding please refer to the Consumer Protection section of this Annual manner. All complaints are entered in our complaint register employee relations policies and guidelines. All consultations • EW Consumer Protection Internal Control and Procedures Report. and confidentiality of customer information and details and cases are treated in strict confidence to protect employee of complaint are maintained at all stages of complaint privacy. On the average, the ER team receives 2-3 calls each day The CPP is supported by our Consumer Protection Manual, Serving Our Customers investigation. with the most common issues relating to disciplinary process, which provides more detailed guidance on specific issues We pride ourselves on excellent customer service and place performance of direct reports, attendance and tardiness. relevant to different functions within the Bank. great importance on listening to our customers. We continually We have established a Customer Assistance Group (CAG), seek and respond to customer feedback through a variety comprised of a team of dedicated personnel, that handles Our Service Quality Unit is responsible to reviewing, updating of channels, including via our website, social media, direct customer inquiries and aims to provide customers with Our Customers and implementing the CPP and is supported by the Corporate interaction, a customer service hotline, e-mail, and SMS, effective recourse in a timely and satisfactory manner. The We put our customers first and work hard to earn their trust. Governance and Compliance Committee, Senior Management, among others. CAG, which reports to Senior Management, is responsible for As a primarily retail-focused bank, we strive to build long- and the Board of Directors. tracking, identifying, and analyzing the nature of complaints lasting relationships and cultivate a loyal customer base by We consider our employees to be bank ambassadors. In order and recommending solutions to avoid recurrence. It also delivering the products and services our customers need in as We also strive to provide our customers with more to improve customer service and enhance interpersonal skills, ensures immediate escalation of any significant complaint to warm, efficient and seamless a manner possible. We recognize transparency and control over how we use and manage their frontline personnel are required to undergo regular training the relevant unit of the Bank. that conducting our business with integrity and high standards information and have adopted a bank-wide policy of not on topics such as improving listening and verbal and written is central to our long-term success and underpins our ability to sharing any customer information without consent. communication skills, problem solving, and conflict resolution. We have customer satisfaction programs to help us better serve and retain our customers. We have established a robust framework for safeguarding understand our customers and improve our products and customer data and records and securing our operational and All employees are also expected to abide by our Basic services. In 2019, the programs included e-mail-based Protecting Privacy e-commerce systems against cyber-security threats. To protect Customer Service Standards manual, which aims to instill best satisfaction surveys on different topics, with rates of customer We strive to protect the personal data, information and our customers, we have implemented a suite of data protection practices to enable us to deliver excellent service that goes satisfaction ranging from 84% to 98%. Our Service Quality team privacy of all of our customers. As a starting point, we limit systems to prevent data loss, including: above and beyond for our customers. In addition, our Service is using customer feedback from these surveys for developing the collection and use of personal information to that which Quality training program includes nine modules totaling 4.5 programs on customer service. is necessary for our business, and we apply strict standards of • E-mail data loss protection systems, which block hours of training that are designed to teach in-person and security and confidentiality. unauthorized attempts to acquire data telephone customer service quality standards, expectations Mindful of the risks posed by the rapidly evolving digital • USB access limitations, which prevent use of USB devices and performance goals. These standards are continuously environment, we work to educate and empower our customers Our Consumer Protection Program (CPP), updated in 2017, within bank offices and copying of sensitive information being reviewed, approved and supported by the President and to be more risk-aware and to provide them with requisite skills sets forth a framework for ensuring that risks associated with • Data encryption systems, which encrypt data in motion and CEO of the Bank and all members of our Senior Management and know-how to avoid fraud, scams, and cybercrimes when consumer protection are identified, assessed, monitored, at rest to safeguard data and prevent disclosure in the event Committee to ensure we serve our customers better. using our products and services. mitigated and controlled in compliance with the Financial of unauthorized or illegal activities Consumer Protection program of BSP (BSP Circular No. 857 • Access to client data is closely monitored and restricted At EastWest, we strive to create a culture of consumer For more information on our approach to data privacy and (2014)). The CPP establishes specific procedures and guidelines to only those approved users who need access to specific protection and aim to operate our business in a way that consumer protection, please refer to the Consumer Protection on consumer protection that are embedded in the policies client information. will help ensure our customers are treated fairly and section of this Annual Report. and procedures of all business groups and aims to ensure that respectfully. We work to provide customers with accessible, Company officers and employees clearly understand their Through our Bank-wide Information Security Awareness fair, accountable, timely and efficient means for resolving respective responsibilities in protecting the interest of our campaign, we work to raise awareness among employees complaints. customers. regarding customer security and data privacy issues and regularly provide employees with guidance and training on the latest procedures and systems for handling customer data.

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Sustainability at EastWest

Our Community At this time, we are able to provide limited data on electricity In the coming years, we aim to improve our understanding We have a longstanding commitment to giving back to our consumption for our head office. Energy data for EastWest of the impact our operations have on the environment community and focus our efforts in the areas of health, regional offices and branches and East West Rural Bank, Inc. is in accordance with the SEC’s sustainability reporting education and the environment. We aspire to make a positive not included due to the unavailability of data from our network. requirements. Moving forward, we plan to explore strategies impact on our communities and are committed to contributing We are also unable to provide data for our operations relating to address air quality, climate change, resource efficiency to their long-term prosperity. to water consumption, air emissions or waste generation at this and waste and to identify and assess ESG-related risks and time. We will work to expand our disclosures in these areas for opportunities so that we can better manage our resources and In 2019, we contributed to local charities and non-government future reporting periods. reduce our impacts on the natural environment. organizations in our communities. We also work with our partners and stakeholders to support local causes and help Our Suppliers provide relief in incidents of natural disaster. Electricity Consumption EastWest respects and values the mutually beneficial Beaufort Head Office ~2,587,284 kwh* relationship we have with the communities in which we operate Through our ERC, we encourage our employees to participate covers headquarters of and aims to support local enterprises and local populations. in volunteer and community service programs. In 2019, 119 of EastWest and entirety of Our branch network is designed to encourage banking locally. our employees participated in three volunteer service events East West Insurance Brokerage, Inc. We also aim to invest in the local market, through our suppliers, across the Philippines, dedicating a total of 582 volunteer hours and support small and medium enterprises (SMEs). to community service. * Estimate calculated from kwh consumed during the month of December applied across a 12-month period. When vetting new suppliers, we consider the supplier’s For detailed information on our community and volunteer environmental performance, efforts to avoid any forced or child We have established several environmental initiatives to initiatives, please refer to the Our People and The Community labor in their operations, their approach to labor and human effectively manage the Bank’s facilities and resources. In section of this Annual Report. rights issues, and their mechanisms to ensure that bribery and 2012, we introduced eStatement of Account (eSOA) to our corruption do not occur in their company or in relation to ours. credit cardholders to reduce paper consumption. By 2019, approximately 65% of our credit cardholders had enrolled in Our Environmental Footprint We mainly achieve this by adhering to our Supplier eSOA, forgoing paper bank statements and reducing paper Accreditation Program, which is overseen by our parent waste worth Php 9.8M in cost savings for 2019. We anticipate At EastWest, we understand that we have a responsibility to company, Filinvest’s Purchasing Department. The program that enrollment in eSOA will continue to grow and with a minimize the environmental impacts of our operations and outlines ways we can maintain quality management by commensurate reduction in paper consumption. we are working to identify and mitigate our impacts through checking for various certifications or programs in place. All improved resource management. legal documentary requirements listed in the accreditation In 2019, as part of our continuing efforts to promote form should be complete. sustainability among our employees, we launched the Bring We also recognize that growing stakeholder demands for Your Own (BYO) program. The program, which aims to reduce transparency have led to more stringent environmental single-use plastics, establishes discounts and incentives at our reporting requirements, including the SEC Guidelines. To our head office cafeteria to encourage employees to bring their knowledge, we comply with all applicable local environmental own food containers, mugs, and utensils. By raising awareness laws and regulations. In 2019, no monetary fines, non- of environmental issues such as single-use plastics, we hope monetary sanctions or disputes arose for non-compliance with to instill in our employees an ethos of sustainability and environmental laws and/or regulations. strengthen our corporate culture beyond our offices. We are committed to further developing and strengthening our data collection systems and procedures over the coming years so that we can adopt a systematic approach to data collection across the Group, which will enable us to better identify, disclose and manage our environmental impacts.

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Sustainability at EastWest

Sustainability Performance Metrics

A. Economic Disclosures Ecosystems and Biodiversity -- Economic Performance 2019 Operational sites owned, leased in, or adjacent to, protected areas and areas of high -- biodiversity value outside protected areas Direct Economic Value Generated and Distributed Total (in thousands Php) Habitats protected or restored -- Direct economic value generated (Revenue) 28,697,661 IUCN Red List species and national conservation list species with habitats in areas affected by -- Direct economic value distributed 16,405,135 operations Procurement Practices Environmental Impact Management Proportion of Spending on Local Suppliers % Air Emissions - Green House Gasses (GHG) Unit Amount Percentage of procurement budget used for significant locations of operations that is spent on local suppliers -- Direct (Scope 1) GHG Emissions -- Anti-Corruption Energy indirect (Scope 2) GHG Emissions -- Training on Anti-Corruption Policies and Procedures % Emissions of ozone-depleting substances (ODS) -- Percentage of employees who have received written communication about corporate anti-corruption policies 100% Air Pollutants and procedures Nitrogen oxides (NOx) Percentage of business partners who have received written communication about corporate anti-corruption None policies and procedures Sulfur oxides (SOx) Percentage of directors and management who have received anti-corruption training 100% Persistent organic pollutants (POPs) Percentage of employees who have received anti-corruption training 97% Volatile organic compounds (VOCs) Incidents of Corruption Number Hazardous air pollutants (HAPs) Number of incidents in which directors were removed or disciplined for corruption 0 Particulate matter (PM) Number of incidents in which employees were dismissed or disciplined for corruption 20 Solid Waste Number of incidents when contracts with business partners were terminated due to corruption -- Reusable Recyclable Composted B. Environment Disclosures* 2019 Residuals/Landfilled Resource Management Total (in PHP) TOTAL Energy consumption within the organization and Reduction of Energy Consumption Unit Amount Hazardous Waste Energy consumption - by fuel type - Gasoline Liters -- Total weight of hazardous waste generated Energy consumption - by fuel type - Diesel GJ -- Total weight of hazardous waste transported Energy consumption - by fuel type - Electricity kwh 2,587,284** TOTAL Energy reduction - by fuel type - Gasoline -- Effluents Energy reduction - by fuel type - Diesel -- Total volume of water discharges Energy reduction - by fuel type - Electricity -- Percent of wastewater recycled Water consumption within the organization -- Environmental Compliance Water consumption within the organization -- Non-compliance with environmental laws and regulations Water withdrawal -- Total amount of monetary fines for non-compliance with environmental laws and/or None Water consumption -- regulations Water recycled and reused -- Materials Used by the Organization Materials used by weight or volume - rebar -- Materials used by weight or volume - cement -- Percentage of recycled input materials used to manufacture the organization’s primary -- products and services

*Except for electricity, we do not currently collect environmental data for our operations so this data is not available for disclosure.

** Covers headquarters of EastWest and entirety of East West Insurance Brokerage, Inc. Estimate calculated from kwh consumed during the month of December applied across a 12-month period.

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Sustainability at EastWest

Sustainability Performance Metrics

C. Social Disclosures Employee Management 2019 Customer Management Employee Hiring and Benefits Total Male Female Customer Satisfaction Total number of employees 6,381 2,081 4,300 Customer Satisfaction Score(s) Range from -- -- Attrition rate 23.1% -- -- 84.0-98.0% Health and Safety Ratio of lowest paid employee against minimum wage +7.0% -- -- Number of substantiated complaints on product or service health and safety ------Employee Training and Development Total training hours provided to employees (by male/female) 348,654 93,640 255,014 Number of complaints addressed ------Marketing and Labelling Average training hours provided to employees (by male/female) 106.33 45.74 60.59 Number of substantiated complaints on marketing and labelling ------Labor Management Relations % of employees covered by Collective Bargaining Agreements 0 Number of complaints addressed ------Customer Privacy Number of consultations conducted with employees concerning employee-related 0 policies Number of substantiated complaints on customer privacy 179 -- -- Diversity and Equal Opportunity Number of complaints addressed 179 -- -- % of workers in the workforce by gender -- 33.0% 77.0% Number of customers, users and account holders whose information is used for Data not -- -- Number of employees from indigenous communities and/or vulnerable sector -- secondary purposes tracked at this time Workplace Conditions, Labor Standards, and Human Rights Occupational Health and Safety Data Security Safe Man-Hours -- No. of data breaches, including leaks, thefts and losses of data 0 -- -- No. of work-related injuries 0 No. of work-related fatalities 0 No. of work-related ill-health 0 No. of safety drills 4 Labor Laws and Human Rights -- Policies that explicitly disallow violations of labor laws and human rights (e.g. 1 -- -- harassment, bullying) in the workplace No. of legal actions or employee grievances involving forced or child labor 0 -- -- Relationship with Community Significant Impacts on Local Communities For operations affecting IPs, total number of Free and Prior Informed Consent (FPIC) ------consultations and Certification Preconditions (CPs) secured

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Sustainability at EastWest

SEC Content Index

Disclosures Reporting location Remarks/ explanation Disclosures Reporting location Remarks/ explanation Company details Incidents of Corruption East West Banking Corporation Management Approach The Impact and Where it Occurs Location of Headquarters Bonifacio Global City, Taguig, General Disclosures Approach to ESG Metro Manila Stakeholders Affected Content Index Location of Operations About this Section Philippines ESG Risks and Opportunities Report Boundary: Legal entities included in East West Rural Bank, Inc. and East Number of incidents in which directors were Approach to ESG this report West Insurance Brokerage, Inc. removed or disciplined for corruption Business Model Banking and Insurance Number of incidents in which employees Anti-Corruption Reporting Period January 1 – December 31, 2019 KPIs were dismissed or disciplined for corruption Highest Ranking Person for this report Q&A with Vice Chairman and Antonio C. Moncupa Jr. Number of incidents when contracts with -- Omitted – Data not available at time CEO Vice Chairman, President & CEO business partners were terminated due to of reporting. A. Economic disclosures Reporting location Remarks/ explanation corruption Economic Performance B. Environment Disclosures3 Reporting location Remarks/ explanation Direct Economic Value Generated and Distributed Management Approach Approach to ESG Resource Management The Impact and Where it Occurs Energy consumption within the organization and Reduction of Energy Consumption General Disclosures Stakeholders Affected Management Approach About this Section/Our ESG Risks and Opportunities Environmental Footprint General Disclosures Direct economic value generated (Revenue) Audited Financial Statement The Impact and Where it Occurs KPIs Direct economic value distributed Stakeholders Affected Climate-Related Risks and Opportunities ESG Risks and Opportunities Our Environmental Footprint Governance Energy consumption - by fuel type Strategy Omitted – Data not available at time KPIs General Disclosures -- Energy reduction - by fuel type Risk Management of reporting. Water consumption within the organization Metrics and Targets Procurement Practices Management Approach The Impact and Where it Occurs Proportion of Spending on Local Suppliers General Disclosures Management Approach Stakeholders Affected The Impact and Where it Occurs ESG Risks and Opportunities Omitted – Data not available at time General Disclosures Stakeholders Affected Our Suppliers Water consumption within the organization of reporting. ESG Risks and Opportunities Water withdrawal KPIs KPI Percentage of procurement budget used for -- Omitted – Data not available at time Water consumption significant locations of operations that is of reporting. spent on local suppliers Water recycled and reused Anti-Corruption Materials Used by the Organization Training on Anti-Corruption Policies and Procedures Management Approach Management Approach The Impact and Where it Occurs General Disclosures The Impact and Where it Occurs About this Section/Approach Stakeholders Affected to ESG Stakeholders Affected ESG Risks and Opportunities Omitted – Data not available at time General Disclosures ESG Risks and Opportunities Materials used by weight or volume of reporting. Percentage of employees who have received written communication about corporate Approach to ESG KPIs Percentage of recycled input materials used anti-corruption policies and procedures to manufacture theorganization’s primary products and services Percentage of business partners who have received written communication about corporate anti-corruption policies and procedures KPIs Percentage of directors and management who have received anti-corruption training Percentage of employees who have received Anti-Corruption anti-corruption training

3Except for electricity, we do not currently collect environmental data for our operations so this data is not available for disclosure.

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Sustainability at EastWest

SEC Content Index

Disclosures Reporting location Remarks/ explanation Disclosures Reporting location Remarks/ explanation Ecosystems and Biodiversity Effluents Management Approach Management Approach The Impact and Where it Occurs The Impact and Where it Occurs General Disclosures General Disclosures Stakeholders Affected Stakeholders Affected ESG Risks and Opportunities ESG Risks and Opportunities Operational sites owned, leased in, or -- Total volume of water discharges -- Omitted – Data not available at time adjacent to, protected areas and areas of Omitted – Data not available at time KPIs of reporting. of reporting. high biodiversity value outside protected Percent of wastewater recycled areas KPIs Environmental Compliance Habitats protected or restored Non-compliance with environmental laws and regulations IUCN Red List species and national Management Approach conservation list species with habitats in areas affected by operations The Impact and Where it Occurs Environmental Impact Management General Disclosures Stakeholders Affected Air Emissions - Green House Gasses (GHG) ESG Risks and Opportunities Omitted – Data not available at time Management Approach of reporting. The Impact and Where it Occurs Total amount of monetary fines for non- General Disclosures Stakeholders Affected compliance with environmental laws and/or ESG Risks and Opportunities regulations Number of non-monetary sanctions for non- Our Environmental Footprint Direct (Scope 1) GHG Emissions KPIs Energy indirect (Scope 2) GHG Emissions compliance with environmental laws and/or KPIs regulations Emissions of ozone-depleting substances -- Omitted – Data not available at time (ODS) of reporting. Number of cases resolved through a dispute Air Pollutants resolution mechanism Management Approach C. Social Disclosures Reporting location Remarks/ explanation The Impact and Where it Occurs General Disclosures Employee Management Stakeholders Affected Employee Hiring and Benefits ESG Risks and Opportunities Management Approach Nitrogen oxides (NOx) General Disclosures The Impact and Where it Occurs About this Section/Social Sulfur oxides (SOx) ESG Risks and Opportunities Persistent organic pollutants (POPs) -- Omitted – Data not available at time KPIs of reporting. Total number of employees Our People Volatile organic compounds (VOCs) Attrition rate Hazardous air pollutants (HAPs) KPIs Ratio of lowest paid employee against Our People Particulate matter (PM) minimum wage Solid Waste List of employee benefits Our People General Disclosures Management Approach Employee Training and Development The Impact and Where it Occurs Management Approach Stakeholders Affected General Disclosures The Impact and Where it Occurs About this Section/Social ESG Risks and Opportunities ESG Risks and Opportunities Total solid waste generated - by type -- Omitted – Data not available at time KPI Total training hours provided to employees of reporting. KPIs Our People (by male/female) Hazardous Waste Average training hours provided to Our People Management Approach employees (by male/female) The Impact and Where it Occurs General Disclosures Stakeholders Affected ESG Risks and Opportunities Total weight of hazardous waste generated -- Omitted – Data not available at time KPIs of reporting. Total weight of hazardous waste transported

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Sustainability at EastWest

SEC Content Index

Disclosures Reporting location Remarks/ explanation Disclosures Reporting location Remarks/ explanation Labor Management Relations Customer Management Management Approach Customer Satisfaction General Disclosures The Impact and Where it Occurs About this Section/Social Management Approach ESG Risks and Opportunities General Disclosures The Impact and Where it Occurs About this Section/Social % of employees covered by Collective ESG Risks and Opportunities Our People Bargaining Agreements KPI Customer Satisfaction Score(s) Our Customers KPIs Number of consultations conducted with Omitted – Data not available at time Health and Safety employees concerning employee-related -- of reporting. Management Approach policies General Disclosures The Impact and Where it Occurs Diversity and Equal Opportunity ESG Risks and Opportunities Our People Management Approach Number of substantiated complaints on General Disclosures The Impact and Where it Occurs About this Section/Social product or service health and safety KPIs ESG Risks and Opportunities Number of complaints addressed -- Omitted – Data not available at time % of female workers in the workforce Our People of reporting. % of male workers in the workforce KPIs Marketing and Labelling Number of employees from indigenous -- Management Approach communities and/or vulnerable sector General Disclosures The Impact and Where it Occurs Workplace Conditions, Labor Standards, and Human Rights Occupational Health and Safety ESG Risks and Opportunities -- Management Approach Number of substantiated complaints on General Disclosures The Impact and Where it Occurs About this Section/Our People marketing and labelling KPIs ESG Risks and Opportunities Number of complaints addressed -- Omitted – Data not available at time Safe Man-Hours Our People of reporting. No. of work-related injuries Customer Privacy No. of work-related fatalities Health and Safety: By the Management Approach KPIs Numbers General Disclosures The Impact and Where it Occurs No. of work-related ill-health ESG Risks and Opportunities Our Customers No. of safety drills Number of substantiated complaints on Supply Chain Management customer privacy Supplier Accreditation and Screening Number of complaints addressed KPIs Management Approach Number of customers, users and account Protecting Privacy General Disclosures The Impact and Where it Occurs About this Section/Social holders whose information is used for ESG Risks and Opportunities secondary purposes Supplier Accreditation Policy Our Suppliers Data Security KPIs Sustainability Topics Considered When Management Approach Selecting/Screening Suppliers General Disclosures The Impact and Where it Occurs Our Customers Relationship with Community ESG Risks and Opportunities Significant Impacts on Local Communities No. of data breaches, including leaks, thefts KPI Protecting Privacy Management Approach and losses of data General Disclosures ESG Risks and Opportunities Operations with significant impacts on Our Community local communities (by location, vulnerable group/indigenous people (IPs)) Mitigating measures (if negative) or Our Suppliers Omitted – Data not available at time KPIs enhancement measures (if positive) of reporting. For operations affecting IPs, total number Our Suppliers Omitted – Data not available at time of Free and Prior Informed Consent of reporting. (FPIC) consultations and Certification Preconditions (CPs) secured

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Consumer Protection

Ensuring Your Protection

Financial consumer protection has been a growing priority stores, corporate website, customer service hotlines, and social for financial institutions as it contributes to the healthy media channels, helping our customers and the public make development of the banking system, the promotion of financial smarter and more informed banking decisions. inclusion, and broader economic growth. EastWest follows the highest standards of fair disclosure with At EastWest Bank, we regard customer rights and protection as the following: our primary duty, conducting business with utmost fairness, trust, and transparency. • Materials: All marketing materials, website, social media accounts, and customer communications we publish We adhere to the Bangko Sentral ng Pilipinas’ belief that the and maintain contain clear, simple, and easy-to-digest banking system becomes safer and more robust if an apt information about EastWest products and services; and timely consumer protection policy is in place. Thus, we • Customer Updates: We provide regular updates, advisories, have designed our Consumer Protection policy that is fully and correspondence to customers and notify them of any compliant with the Financial Consumer Protection program of changes and new promos and products we are offering; the BSP, as embodied in BSP Circular No. 857 issued in 2014. • Manpower: We constantly train our frontliners to be Our Consumer Protection framework is consistent with the five knowledgeable, responsive, and constantly attuned to standards the BSP had set: customers’ need for information about our products and services; provide a multi-channel customer experience, as more Filipinos • People – We regularly assess the skills and competencies • Disclosure and Transparency • Communication: We have multiple channels of customer now demand convenience, faster or instant response times, of EastWestbankers and fill gaps in their awareness around • Protection of Client Information touchpoints that enable our customers and the banking and better results in keeping pace with technological advances. data security. We inform everyone of the vulnerabilities, public to get in touch with the Bank. Our contact center runs exploits, and security weaknesses that can penetrate our • Fair Treatment our 24-Hour Customer Service hotline, email, Facebook and It takes time and a significant amount of resources for the Bank systems, training and educating them in these different • Effective Recourse Twitter accounts, as well as Viber and SMS channels. to meet this surging demand and be at par with the level of aspects of IT and data security. • Financial Education and Awareness digital readiness of peer banks. But in the immediate present, • Processes – We stick to the principle of business-driven Protection of Client Information while laying the groundwork for a more digital-savvy customer security which aligns our policies with the Bank’s business We designed Our Consumer Protection Manual, duly approved As a financial institution, we abide by banking regulations and service, we will ensure high-quality service and responsiveness. requirements. This is also aligned with local regulations on by our Board of Directors and Senior Management, to laws that protect customer data and the security, integrity, and This is partly made possible by seamless coordination among handling customer data. operationalize the framework. An organization unit has also confidentiality of the information that comes with it. But we our critical Bank units such as Marketing, Sales, Operations, and Customer Service. • Technology – We defend, protect, respond, and recover been formed to implement, coordinate, and track proper act beyond compliance and view client data confidentiality from both potential and actual threats and breaches adherence to the Manual. and privacy as a crucial component of people’s trust-based We also focus on ensuring that we have the right security through advanced tools and capabilities. Security is built relationship with the Bank. into the design of EastWest products. Disclosure and Transparency measures in place. As more of our customers become digitally linked, we continually step up our efforts toward client data We make it a point to always provide correct, complete, In recent years, more EastWest customers are using digital privacy and secure account information at any given time. IT accurate, and understandable information about all EastWest platforms and technologies in their banking transactions, and security at EastWest maintains a three-level approach: products and services. This information can be accessed on our expect the Bank to provide a satisfying digital experience in customer service. As such, one of our ongoing challenges is to

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Consumer Protection

Our Chief Information Security Officer (CISO) oversees We equip our customers with the necessary documents, such our customers to be wary of suspicious activities concerning Financial Education and Awareness governance and proactively faces cybersecurity threats such as as bank statements, passbook, certificates, and terms and their account and made available the “on-off facility” in our Besides protection, we also empower our customers to make Advanced Persistent Threats (APTs), while we maintain a team conditions. We confirm all customer requests via written or mobile and internet banking platforms. sound financial decisions. Our Customer Education Program of penetration testers and conduct threat intelligence around digital means within an acceptable period of time. is an ongoing initiative towards providing the customer with the security perimeter of the Bank and its store network. We On service quality, we constantly train our front liners to critical know-how to avoid fraud, scams, and cybercrimes also have a leadership position in industry groups for inter- Our customers expect to obtain satisfying customer service become more attentive, responsive, and empathetic to our when using their EastWest debit, prepaid, and credit cards, bank collaboration on threat identification and combat of assistance from the Bank anytime, anywhere, so we harness customers in their time of need. We ensure strict adherence whether they are online, at an ATM or point-of-sale terminal, or criminal activities. digital or electronic channels such as email, social media, with the policies and procedures detailed in our Customer transacting with Visa/Mastercard-affiliated merchants. and direct messaging to get it done. This also gives them Assistance Management System (CAMS), which is aligned Our in-house IT Security policy provides a solid framework to personalized service and the flexibility to smoothly shift from with the prescriptions of BSP Circular 857. We ensure that we Our customers can access relevant brochures, social media protect client data and information at all times, along with the one channel to another and expect the same satisfactory result have dedicated resources and personnel to handle customer campaigns, our constantly updated and revisited website, following: regardless of the channel used. queries and resolve complaints in a timely, reliable, and highly and multiple channels that help them dodge ATM skimming, personable manner. fraudulent activities, and other money-related schemes. • A written privacy policy to safeguard customer records; We also began to more intensively invest in and develop a dedicated and full-time Training Team and Quality Assurance We welcome customer feedback in all our channels and • Established processes and systems to protect customer data We send out electronic mails that contain tips on password Team to make sure that our Customer Service Representatives continuously conduct customer satisfaction surveys. Our confidentiality and security against any threat or hazard, protection, how to regularly update security questions, fight and Sales Associates are properly trained to give personalized overall customer satisfaction rating for 2019 was 84.0% for online or otherwise; malware and phishing scams, and use Secure Sockets Layer service to customers, and assure that the level of quality of our Customer Service Survey, 87.0% for our Welcome Check • Regular stream of policy communications on the (SSL) and other site security layers. their customer engagements meets standards. If there are Survey, and 97.0% for our Telemarketing Survey. We are organizational level as well as continuing education of any lapses or opportunities, these should be immediately the only local Bank equipped with Happy or Not’s Smiley personnel on the value of guarding customer data; With increasing financial awareness and education, we are also addressed. terminals that enable us to capture customer satisfaction and compelled to increase the level of competency of our workforce • Adherence to customer data protection, in accordance with temperament in real time. to meet the expectations of our customers. We strive to the provisions of the Manual of Regulations for Banks; and Effective Recourse regularly update our employees’ skills in this area, sponsoring In addition, we also initiated the use of the Net Promoter • A bank-wide policy governing the acquisition of customer In our continuing pursuit of service excellence, we established enterprise-wide fraud control training as well as seminars on Score (NPS) to gauge the sentiment of our clients, starting with consent before sharing any information systems and controls to properly and promptly tackle customer security-related issues in banking. inquiries, concerns, or complaints. Priority Banking as a pilot. To widen the reach of our customer Fair Treatment feedback programs, we have started sending out SMS-based Our records reflect an increase in customer complaints to surveys for our new-to-bank customers and have started with We take to heart the fair treatment of our customers and other transaction-based surveys. stakeholders. At the minimum, every EastWestbanker is trained 149,469 in 2019 as a result of our drive to ensure that all customer complaints received at the frontlines are logged, in fair and responsible treatment — from recruitment to the To further improve customer experience, we are eyeing the use onboarding process. recorded, monitored, and resolved. Despite the increase, we improved our resolution time by 7.85 basis points to 99.87% in of virtual assistance or artificial intelligence (AI) channels, such 2019 from 91.83% in 2018. as an online chatbot, to provide customers instant two-way or We craft recommendations of banking products and services interactive communication for their customer service needs. based on a customer’s financial goals as well as risk appetite, and we recommend based on actual data and responsible In 2019, banks faced a growing number of bank identification profiling. Our statements issued on our promotions, the media, number (BIN) attacks, scamming, and phishing scams. We and public platforms are true, correct, accurate, complete, and recorded 122,375 in ATM or debit card concerns, accounting fair. for more than 80% of the total complaints received in 2019. In response, we launched a communication campaign to remind

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Risk Management

Risk Factors clients. We also use a Board-approved Credit Risk Management Manual as guidance in performing credit evaluation for retail Combined with risks inherent in banking, we also consider customers and credit underwriting for corporate clients. We other risks borne out by more stringent industry regulations. regularly monitor key credit risk indicators and conduct stress Capital Risk tests based on internally determined and BSP-prescribed stress scenarios. This is the risk faced when a company loses the value on its capital, which consequently puts it into a situation of having Liquidity Risk inadequate capital to cover for its risk exposures. We mitigate This risk pertains to a bank’s inability to service its liabilities this risk by implementing capital risk management to ensure via sufficient funds, or when the maturity of its termed assets capital is preserved and shareholder value is maximized while spans longer than those liabilities. This means the Bank may maintaining capital ratios above the minimum prescription of either have a shortage of available financial resources or can the Bangko Sentral ng Pilipinas (BSP). only access such resources at excessive cost. Credit Risk We mitigate this risk by: This arises when borrowers fail to meet credit obligations based on agreed terms, may it be repaying a loan or meeting • Periodically tracking liquidity risk within the realm of the a contractual obligation. In recent years, credit risks were Treasury Group’s responsibility, obtaining an accurate classified based on the age of the loan portfolio or their knowledge of our future cash flows every time; doubtfulness, but under Philippine Financial Reporting • Adopting a Maximum Cumulative Outflow (MCO) model, Standards 9, banks should produce models on estimating a cash flow analysis tool that projects our cash flow losses on the portfolio. This obliges banks to forecast potential under normal operations and includes off-balance sheet loss up to the entire life cycle of a loan account or portfolio. commitments; Our credit risk remains manageable in 2019, underpinned by • Using a Liquidity Risk Management Manual for setting risk The ability to effectively identify and manage risk is a vital requirements are clear and transparent information about our the satisfactory levels of asset quality, credit concentration, appetite, as well as observing regulator- and internally element of EastWest Bank’s success. Over the years, we have enterprise risks and mitigating activities from all parts of our collateral, and loss rate levels. Likewise, operational losses, determined liquidity risk limits; been fortifying our internal risk management and control business operations. including compliance-related fines and penalties, are kept framework to identify risks and opportunities that may impact • Adhering to a Funding Contingency Plan to assure readiness within financial loss limits, and liquidity remained ample as us and to take mitigation actions as needed. In 2019, our risk exposures remain well managed, with losses in case a liquidity issue emerges – a plan that the Treasury liquidity surplus was maintained and regulatory minimum kept within expectations and set limits. Credit risk remains Group regularly updates; and prescriptions were exceeded. Risk management takes place in many different processes to be the principal risk exposure in our business, followed by • Foreseeing stress scenarios identified to get a precise and operations throughout the organization. Our Board of operational risk, interest rate risk in the banking book, and insight into our ability to respond to our liabilities. We mitigate this risk by applying credit scorecards and Directors is ultimately responsible for the governance of risk market risk in the trading book. We also recognized marginal minimum acceptance criteria for every customer product, and management while our Senior Management ensures there is risk exposures to liquidity, credit concentration, compliance, the Internal Credit Risk Rating System (ICRRS) for corporate a common and efficient process in place. Part of the Board’s reputational, and strategic risks.

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Risk Management

Moving Forward Still, we are confident that our robust risk management will enable us to manage these risks within internal and regulatory Relevant BSP Regulations in 2019 of loan payments. The major factors that lead to increased We continue to strive towards our goal of embedding a risk limits. Our capital adequacy is more than adequate to meet interest rate risk are the volatility of interest rates and management culture in EastWest — a culture where units our financial targets with sufficient capital buffers for low BSP CIRCULAR NO. 1064 - Report on Intraday Liquidity mismatches between the interest reset dates on assets and understand the risks in their businesses and are able to probability but high impact risk events (i.e., unexpected of Universal and Commercial Banks (UBs/KBs) and their liabilities. manage them. The implementation of a proactive and on- losses). Continued improvements in methodologies to estimate Subsidiary Banks/Quasi-Banks (QBs) to take effect in 2021 demand risk assessment, the availability of centralized, expected and unexpected losses also provide more precise and Interest rate movement was more pronounced in 2019. streamlined, and clean database, and the removal of silo-based reliable risk measures while enhancements in risk-adjusted This prescribes banks and QBs to have policies, procedures, Heightened Inflation was observed in 2018 that compelled the thinking in risk owners and control units are the key challenges performance measures are expected to improve our capital and systems that will enable them to measure and track BSP to adjust its policy rates. This policy response led to the in strengthening the Bank’s risk management culture. intraday inflows and outflows to ultimately ensure that the pricing of deposits in the banking system, resulting in optimization initiatives. institution’s large payments are adequately covered and increased cost of funding. As a result of the COVID-19 global pandemic and the actions We have also made significant investments in our technology properly earmarked. It also requires intraday risk limits taken by governments and businesses around the world to infrastructure and seamless management information and to be set. The Bank has decided to not define an intraday help mitigate the impact, financial institutions face major risk systems. We believe this will pave the way for a centralized liquidity risk limit on the merit that historical volume of challenges in managing their liquidity positions and funding Relevant BSP Regulations in 2019 information source and dynamic risk impact analysis, as intraday outflows is not material relative to cross-border capabilities. Regulations put in place in recent years were all well as connecting front- and back-office processes. Clearly and multi-currency settlements that move the market. The designed to improve banks’ ability to meet funding obligations BSP CIRCULAR NO. 1051 - Amendments to the Framework defined roles through governance policies, continued materiality of intraday outflows is contingent upon the by establishing liquidity buffers, and to implement contingency for Dealing with Domestic Systematically Important Banks governance caravans, and the shift towards risk-adjusted established excessive coverage of high-quality liquid assets, funding plans (CFPs) to guide banks during times of crisis. (D-SIBs) performance measures are designed to inculcate to all units proactive earmarking of significant outflows, and available However, the recent financial market volatility, liquidity the interrelationship among risks and the fact that each unit’s credit lines of the Bank. tightening, widening funding spreads, operational fails, and In the internal capital adequacy assessment processes, the output is impactful to another. This remains a crucial piece in other challenges have been unprecedented and put significant assessment of the prospects of being a DSIB is performed the Bank’s overall risk management and sustainability. pressure on bank liquidity risk management. on the basis of the Bank’s market share growth relative Interest Rate Risk to the total banking system’s. This is because the heavily Interest rate risk is the risk to current or anticipated earnings weighted indicators pertain mainly to bank size, e.g. total or capital arising from movements in interest rates. This can exposures based on Basel III leverage ratio with 40% potentially hurt the financial results and capital of the bank weight, intra-financial system assets and liabilities, and arising from positions in the banking book. Interest rate risk outstanding investments in securities with more than 40% arises due to changes in market interest rates, which have weight as well. an impact on profitability. An interest rate rise puts financial pressure on the client, which may in turn result in default

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Capital Adequacy Reconciliation

CAPITAL ADEQUACY RECONCILIATION CONSOLIDATED CAPITAL ADEQUACY RECONCILIATION SOLO (Php in millions, except percentages) For year ended December 31 (Php in millions, except percentages) For year ended December 31 2019 2019 Tier 1 Capital Audited Financial Reconciling Item Tier 1 Capital Audited Financial Reconciling Item Statement Statement Tier 1 capital Tier 1 capital Paid up common stock 22,499.75 22,499.75 - Paid up common stock 22,499.75 22,499.75 - Additional paid-in capital 5,065.06 5,065.06 - Additional paid-in capital 5,065.06 5,065.06 - Retained earnings 14,150.00 14,150.00 - Retained earnings 14,150.07 14,150.07 - Undivided profits 6,183.82 6,183.82 - Undivided profits 6,183.82 6,183.82 - Other Comprehensive Income: - Other Comprehensive Income: - Net unrealized gains or losses on AFS Securities 56.68 56.68 - Net unrealized gains or losses on AFS Securities 60.17 60.17 - Actuarial Gains (Losses) on Retirement Benefits Plan (82.27) (82.27) - Actuarial Gains (Losses) on Retirement Benefits Plan 89.56 89.56 - Cumulative foreign currency translation 89.56 89.56 - Cumulative foreign currency translation (75.03) (75.03) - Total 47,962.60 47,962.60 - Total 47,973.40 47,973.40 -

CAPITAL ADEQUACY RECONCILIATION CONSOLIDATED CAPITAL ADEQUACY RECONCILIATION SOLO (Php in millions, except percentages) For year ended December 31 (Php in millions, except percentages) For year ended December 31 2018 2018 Tier 1 Capital Audited Financial Reconciling Item Tier 1 Capital Audited Financial Reconciling Item Statement Statement Tier 1 capital Tier 1 capital Paid up common stock 22,499.75 22,499.75 - Paid up common stock 22,499.75 22,499.75 - Additional paid-in capital 5,209.06 5,065.06 144.00 Additional paid-in capital 5,209.06 5,065.06 144.00 Retained earnings 9,818.66 10,767.40 (948.74) Retained earnings 9,792.10 10,767.40 (975.30) Undivided profits 4,464.61 4,508.06 (43.46) Undivided profits 4,491.47 4,508.06 (16.60) Other Comprehensive Income: - Other Comprehensive Income: Net unrealized gains or losses on AFS Securities (10.29) (10.29) - Net unrealized gains or losses on AFS Securities (10.29) (10.29) - Actuarial Gains (Losses) on Retirement Benefits Plan 31.65 (77.99) 109.64 Actuarial Gains (Losses) on Retirement Benefits Plan 31.65 (77.99) 109.64 Cumulative foreign currency translation (94.82) (94.82) - Cumulative foreign currency translation (94.82) (94.82) - Total 41,918.62 42,657.17 (738.56) Total 41,918.92 42,657.17 (738.26)

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Capital Adequacy Reconciliation

(Php in millions, except percentages) ABSOLUTE AMOUNT For year ended December 31, 2019 For year ended December 31, 2019 SOLO CONSOLIDATED SOLO CONSOLIDATED Tier 1 capital Tier 1 capital Paid up common stock 22,499.75 22,499.75 Paid up common stock 22,499,754,110.00 22,499,754,110.00 Additional paid-in capital 5,065.06 5,065.06 Additional paid-in capital 5,065,058,589.66 5,065,058,589.66 Retained earnings 14,150.07 14,150.00 Retained earnings 14,150,069,476.91 14,150,001,921.39 Undivided profits 6,183.82 6,183.82 Undivided profits 6,183,816,993.27 6,183,816,993.27 Other Comprehensive Income: Other Comprehensive Income: NUGL on AFS Securities 60.17 56.68 NUGL on AFS Securities 60,167,861.55 56,677,246.07 Actual gains/losses (75.03) (82.27) Actual gains/losses (75,033,983.05) (82,267,842.15) Cumulative foreign currency translation 89.57 89.57 Cumulative foreign currency translation 89,565,248.05 89,565,247.93 47,973.40 47,962.61 47,973,398,296.39 47,962,606,266.16 Deduction from Tier 1 capital Deduction from Tier 1 capital Total outstanding unsecured credit accommodation to a DOSRI 1.15 1.15 Total outstanding unsecured credit accommodation to a DOSRI 1,145,644.54 1,145,644.54 Investments in equity securities 4,718.85 910.67 Investments in equity securities 4,718,847,058.32 910,670,797.82 Defined benefit asset - - Defined benefit asset Deferred income tax 2,294.57 2,720.59 Deferred income tax 2,294,566,929.42 2,720,592,954.10 Goodwill and other intangible assets 6,857.99 6,890.26 Goodwill and other intangible assets 6,857,985,128.32 6,890,255,304.13 CET1 capital 34,100.85 37,439.94 CET1 capital 34,100,853,535.78 37,439,941,565.57 Total Tier 1 capital 34,100.85 37,439.94 Total Tier 1 capital 34,100,853,535.78 37,439,941,565.57 Tier 2 capital Tier 2 capital General loan loss provision 2,553.46 2,827.54 General loan loss provision 2,553,462,967.93 2,827,541,174.30 Unsecured subordinated debt / Instruments eligible as Tier 2 capital 4,979.34 6,218.92 Unsecured subordinated debt / Instruments eligible as Tier 2 capital 4,979,340,226.92 6,218,920,513.59 Total Tier 2 capital 7,532.80 9,046.46 Total Tier 2 capital 7,532,803,194.85 9,046,461,687.89 Total qualifying capital 41,633.66 46,486.40 Total qualifying capital 41,633,656,730.63 46,486,403,253.46 Capital ratios: Capital ratios: CET1 capital adequacy ratio 10.65% 10.65% CET1 capital adequacy ratio 10.65% 10.65% Tier 1 capital adequacy ratio 10.65% 10.65% Tier 1 capital adequacy ratio 10.65% 10.65% Capital conservation buffer 4.65% 4.65% Capital conservation buffer 4.65% 4.65% Total capital adequacy ratio 13.00% 13.22% Total capital adequacy ratio 13.00% 13.22%

Risk-weighted Assets Risk-weighted Assets On balance sheet accounts On balance sheet accounts 20% 1,241.54 1,242.06 20% 1,241,539,636.57 1,242,055,863.47 50% 19,886.73 19,886.73 50% 19,886,732,384.30 19,886,732,384.30 75% 11,068.59 11,071.01 75% 11,068,589,931.03 11,071,009,604.96 100% 211,515.47 236,163.60 100% 211,515,465,578.46 236,163,603,793.12 150% 11,633.97 14,390.72 150% 11,633,969,262.94 14,390,715,784.17 Off balance sheet exposures Off balance sheet exposures 20% - - 20% 50% - - 50% 100% 3,557.32 3,557.32 100% 3,557,318,435.03 3,557,318,435.03

Counter party risk weighted assets in banking books 7,007.52 7,007.52 Counter party risk weighted assets in banking books 7,007,522,203.73 7,007,522,203.73 Counter party risk weighted assets in trading books - - Counter party risk weighted assets in trading books - -

Total credit risk-weighted assets 265,911.14 293,318.96 Total credit risk-weighted assets 265,911,137,432.06 293,318,958,068.78 Total market risk-weighted assets 13,675.29 13,675.29 Total market risk-weighted assets 13,675,289,744.66 13,675,289,744.66 Total operational risk-weighted assets 40,694.21 44,636.29 Total operational risk-weighted assets 40,694,212,693.75 44,636,287,383.23 Total risk-weighted assets 320,280.64 351,630.54 Total risk-weighted assets 320,280,639,870.47 351,630,535,196.67

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Risk Exposure

CONSOLIDATED 2019 - ABSOLUTE AMOUNT 0% 20% 50% 75% 100% 150% TOTAL Cash on Hand 7,723,806,266.05 7,723,806,266.05 Checks and Other Cash Items 46,865,832.50 46,865,832.50 Due from Bangko Sentral ng Pilipinas 35,076,191,311.70 35,076,191,311.70 Due from Other Banks 124,504,570.50 2,803,359,258.52 214,938,044.62 3,142,801,873.64 Financial Assets Designated at Fair Value through Profit or Loss 10,343,201.33 Debt Securities - Equity Securities 10,343,201.33 10,343,201.33 Available-for-Sale (AFS) Financial Assets 4,722,854,218.78 1. Debt Securities 4,722,853,078.82 Sovereign 4,722,853,078.82 4,722,853,078.82 2. Equity Securities 1,139.96 1,139.96 Held-to-Maturity (HTM) Financial Assets 50,521,995,143.89 1. Non Defaulted Exposures 50,149,572,525.27 Sovereign 8,520,227,291.76 2,421,578,322.95 26,629,408,543.95 414,862,557.30 37,986,076,715.96 Multilateral Agencies - LGU and Public Sector Entities - Government Corporation 1,479,231,415.27 1,479,231,415.27 Banks 389,821,268.36 8,621,745.81 398,443,014.17 Corporates 2,317,461,653.91 7,968,359,725.95 10,285,821,379.87 2. Defaulted Exposures 372,422,618.62 372,422,618.62 Loans and Receivables 251,200,766,945.45 1. Interbank Loans Receivable 1,299,868,937.50 1,299,868,937.50 2. Loans and Receivables -Others 249,900,898,007.95 2.1 Non defaulted exposures 241,563,230,482.94 Sovereign - LGU and Public Sector Entities 767,406,411.62 767,406,411.62 Government Corporation - Corporates 45,806,141,350.87 45,806,141,350.87 Microfinance/Small and Medium Enterprises 14,761,346,139.95 14,761,346,139.95 Loans to individual for housing purposes 9,950,875,697.77 9,950,875,697.77 Loans to Individuals 170,277,460,882.72 170,277,460,882.72 2.1 Defaulted exposures 8,337,667,525.01 Housing Loans 795,840,965.03 795,840,965.03 Other than housing loans 7,541,826,559.98 7,541,826,559.98 Loans and Receivables Arising from Repurchase Agreements, Certificates of Assignment/Participation with Recourse, and Securities Lending and 1,392,086,045.00 Borrowing Transactions Sovereign 1,392,086,045.00 1,392,086,045.00 Sales Contract Receivable 136,248,661.38 1. Non Defaulted Exposures 126,891,033.08 126,891,033.08 2. Defaulted Exposures 9,357,628.29 9,357,628.29 Real and Other Properties Acquired 1,670,203,715.88 1,670,203,715.88 Total Exposures Excluding Other Assets 355,644,163,215.60 Other Assets 8,293,505,319.54 8,293,505,319.54 Total Exposures Including Other Assets 57,435,163,993.33 6,210,279,317.36 39,773,464,768.61 14,761,346,139.95 236,163,603,793.11 9,593,810,522.78 363,937,668,535.14 Total Risk weighted On-Balance Sheet Assets not covered by CRM - 1,242,055,863.47 19,886,732,384.30 11,071,009,604.96 236,163,603,793.11 14,390,715,784.17 282,754,117,430.02 Total Risk weighted On-BaLance Sheet Assets - 1,242,055,863.47 19,886,732,384.30 11,071,009,604.96 236,163,603,793.11 14,390,715,784.17 282,754,117,430.02

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Risk Exposure

CONSOLIDATED 2018 - ABSOLUTE AMOUNT

0% 20% 50% 75% 100% 150% TOTAL Cash on Hand 7,126,114,045.02 7,126,114,045.02 Checks and Other Cash Items 59,126,997.90 59,126,997.90 Due from Bangko Sentral ng Pilipinas 40,577,383,017.43 40,577,383,017.43 Due from Other Banks 237,760,467.80 9,919,064,453.12 166,581,695.20 10,323,406,616.12 Financial Assets Designated at Fair Value through Profit or Loss 10,329,701.33 Equity Securities 10,329,701.33 10,329,701.33 Available-for-Sale (AFS) Financial Assets 251,769,396.85 1. Debt Securities 251,768,106.89 2. Equity Securities 1,289.96 1,289.96 Held-to-Maturity (HTM) Financial Assets 37,419,275,825.96 1. Non Defaulted Exposures 37,419,275,825.96 Sovereign 6,741,731,371.96 1,996,610,084.27 15,085,351,972.28 429,930,419.74 24,253,623,848.25 Multilateral Agencies - LGU and Public Sector Entities - Government Corporation 2,454,704,964.59 2,454,704,964.59 Banks 409,176,835.52 9,077,067.80 418,253,903.31 Corporates 2,633,960,348.15 7,658,732,761.66 10,292,693,109.81 2. Defaulted Exposures Loans and Receivables 227,644,134,803.78 1. Interbank Loans Receivable 5,862,670,000.00 5,862,670,000.00 2. Loans and Receivables -Others 221,781,464,803.78 2.1 Non defaulted exposures 213,811,054,133.74 Sovereign - LGU and Public Sector Entities 810,947,540.05 810,947,540.05 Government Corporation - Corporates 2,770,801,020.82 50,438,845,873.92 53,209,646,894.74 Microfinance/Small and Medium Enterprises 12,814,255,095.95 339,073,634.43 13,153,328,730.38 Loans to individual for housing purposes 7,565,036,658.59 7,565,036,658.59 Loans to Individuals 139,072,094,309.98 139,072,094,309.98 2.1 Defaulted exposures 7,970,410,670.04 Housing Loans 777,116,317.60 777,116,317.60 Other than housing loans 7,193,294,352.44 7,193,294,352.44 Sales Contract Receivable 129,201,619.07 1. Non Defaulted Exposures 103,914,831.62 103,914,831.62 2. Defaulted Exposures 25,286,787.45 25,286,787.45 Real and Other Properties Acquired 1,477,393,634.20 1,477,393,634.20 Total Exposures Excluding Other Assets 325,018,135,657.66 Other Assets 14,316,395,330.13 14,316,395,330.13 Total Exposures Including Other Assets 54,696,996,541.30 13,560,928,918.94 32,978,629,919.50 12,814,255,095.95 216,587,745,738.02 8,695,974,774.09 339,334,530,987.80 Total Risk weighted On-BaLance Sheet Assets - 2,712,185,783.79 16,489,314,959.75 9,610,691,321.96 216,587,745,738.02 13,043,962,161.14 258,443,899,964.66

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Risk Exposure SOLO 2019 - ABSOLUTE AMOUNT

0% 20% 50% 75% 100% 150% TOTAL

Cash on Hand 7,626,236,008.50 7,626,236,008.50 Checks and Other Cash Items 44,284,697.98 44,284,697.98 Due from Bangko Sentral ng Pilipinas 34,379,374,951.25 34,379,374,951.25 Due from Other Banks 124,504,570.50 2,803,359,258.52 135,414,201.21 3,063,278,030.23 Financial Assets Designated at Fair Value through Profit or Loss 10,343,201.33 Debt Securities - Equity Securities 10,343,201.33 10,343,201.33 Available-for-Sale (AFS) Financial Assets 4,722,854,218.78 1. Debt Securities 4,722,853,078.82 Sovereign 4,722,853,078.82 4,722,853,078.82 2. Equity Securities 1,139.96 1,139.96 Held-to-Maturity (HTM) Financial Assets 50,521,191,691.56 1. Non Defaulted Exposures 50,148,769,072.94 Sovereign 8,519,423,839.43 2,421,578,322.95 26,629,408,543.95 414,862,557.30 37,985,273,263.63 Multilateral Agencies - LGU and Public Sector Entities - Government Corporation 1,479,231,415.27 1,479,231,415.27 Banks 389,821,268.36 8,621,745.81 398,443,014.17 Corporates 2,317,461,653.91 7,968,359,725.95 10,285,821,379.87 2. Defaulted Exposures 372,422,618.62 372,422,618.62 Loans and Receivables 225,276,727,822.87 1. Interbank Loans Receivable 1,299,868,937.50 1,299,868,937.50 2. Loans and Receivables -Others 223,976,858,885.37 2.1 Non defaulted exposures 217,475,720,192.64 Sovereign - LGU and Public Sector Entities 767,406,411.62 767,406,411.62 Government Corporation - Corporates 45,806,141,350.87 45,806,141,350.87 Microfinance/Small and Medium Enterprises 14,758,119,908.04 14,758,119,908.04 Loans to individual for housing purposes 9,950,875,697.77 9,950,875,697.77 Loans to Individuals 146,193,176,824.33 146,193,176,824.33 2.1 Defaulted exposures 6,501,138,692.73 Housing Loans 795,840,965.03 795,840,965.03 Other than housing loans 5,705,297,727.70 5,705,297,727.70 Loans and Receivables Arising from Repurchase Agreements, Certificates of Assignment/Participation with Recourse, and Securities Lending and 1,392,086,045.00 Borrowing Transactions Sovereign 1,392,086,045.00 1,392,086,045.00 Sales Contract Receivable 136,248,661.38 1. Non Defaulted Exposures 126,891,033.08 126,891,033.08 2. Defaulted Exposures 9,357,628.29 9,357,628.29 Real and Other Properties Acquired 1,668,901,534.01 1,668,901,534.01 Total Exposures Excluding Other Assets 328,841,526,862.89 Other Assets 7,809,175,006.68 7,809,175,006.68 Total Exposures Including Other Assets 56,639,973,923.00 6,207,698,182.84 39,773,464,768.61 14,758,119,908.04 211,515,465,578.45 7,755,979,508.63 336,650,701,869.57 Total Risk weighted On-Balance Sheet Assets not covered by CRM - 1,241,539,636.57 19,886,732,384.30 11,068,589,931.03 211,515,465,578.45 11,633,969,262.94 255,346,296,793.30 Total Risk weighted On-BaLance Sheet Assets - 1,241,539,636.57 19,886,732,384.30 11,068,589,931.03 211,515,465,578.45 11,633,969,262.94 255,346,296,793.30

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Risk Exposure

SOLO 2018 - ABSOLUTE AMOUNT

0% 20% 50% 75% 100% 150% TOTAL Cash on Hand 7,054,219,061.02 7,054,219,061.02 Checks and Other Cash Items 43,432,525.88 43,432,525.88 Due from Bangko Sentral ng Pilipinas 39,968,275,214.34 39,968,275,214.34 Due from Other Banks 237,760,467.80 9,919,064,453.12 21,903,859.94 10,178,728,780.86 Financial Assets Designated at Fair Value through Profit or Loss 10,329,701.33 Equity Securities 10,329,701.33 10,329,701.33 Available-for-Sale (AFS) Financial Assets 251,769,396.85 1. Debt Securities 251,768,106.89 2. Equity Securities 1,289.96 1,289.96 Held-to-Maturity (HTM) Financial Assets 37,419,275,825.97 1. Non Defaulted Exposures 37,419,275,825.97 Sovereign 6,741,731,371.96 1,018,174,381.87 16,063,787,674.68 429,930,419.74 24,253,623,848.25 Multilateral Agencies - LGU and Public Sector Entities - Government Corporation 2,454,704,964.59 2,454,704,964.59 Banks 409,176,835.52 9,077,067.80 418,253,903.32 Corporates 2,633,960,348.15 7,658,732,761.66 10,292,693,109.81 2. Defaulted Exposures Loans and Receivables 204,083,867,081.44 1. Interbank Loans Receivable 5,862,670,000.00 5,862,670,000.00 2. Loans and Receivables -Others 198,221,197,081.44 2.1 Non defaulted exposures 191,273,879,026.40 Sovereign - LGU and Public Sector Entities 810,947,540.05 810,947,540.05 Government Corporation - Corporates 2,770,801,020.82 50,438,845,873.92 53,209,646,894.74 Microfinance/Small and Medium Enterprises 12,814,255,095.95 339,073,634.43 13,153,328,730.38 Loans to individual for housing purposes 7,565,036,658.59 7,565,036,658.59 Loans to Individuals 116,534,919,202.64 116,534,919,202.64 2.1 Defaulted exposures 6.947,318,055.04 Housing Loans 777,116,317.60 777,116,317.60 Other than housing loans 6,170,201,737.44 6,170,201,737.44 Sales Contract Receivable 129,201,619.07 1. Non Defaulted Exposures 103,914,831.62 103,914,831.62 2. Defaulted Exposures 25,286,787.45 25,286,787.45 Real and Other Properties Acquired 1,476,322,756.95 1,476,322,756.95 Total Exposures Excluding Other Assets 300,615,421,963.71 Other Assets 14,044,974,621.36 14,044,974,621.36 Total Exposures Including Other Assets 54,015,993,754.21 12,566,798,744.52 33,957,065,621.91 12,814,255,095.95 193,634,472,086.64 7,671,811,281.84 314,660,396,585.07 Total Risk weighted On-BaLance Sheet Assets - 2,513,359,748.90 16,978,532,810.95 9,610,691,321.96 193,634,472,086.65 11,507,716,922.76 234,244,772,891.22

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Corporate Governance

The Board is composed of nine directors, majority of whom responsibilities as a member of the Board, as well as of their are non-executive directors. Nominated and voted by respective Board-level committees. This ensures the continued shareholders every year, each director serves a one-year term effectiveness of the Board in contributing to the Bank’s long- until the election of another set of directors. In 2019, the Board term sustainability and success. In aid of proper self-evaluation, increased its membership to 11 directors. each director is required to accomplish at least three self- assessment sheets: one as an individual director, for the Through the Board’s Corporate Governance and Compliance Board, and for the Board Committee as a member. Each sheet Committee, the Bank ensures that all directors are qualified for delves into specifics, such as the clarity and relevance of the election based on their integrity, physical fitness, competence, Board and committee functions, as well as their effectiveness education, moral standing in the community, and relevant in conducting meetings, making constructive use of available business or banking experience, among others. The Bank does reports, and discussing concerns, which may impact on their not discriminate against gender, age, and ethnic, political, responsibilities as Director and member of a committee. religious, or cultural backgrounds. Board Training Independent Directors Our directors need to be adequately qualified, individually Four of the 11 Board members are independent directors and collectively, and have a good understanding of both the whose role is to provide independent judgment, outside business and regulatory environments. To ensure that each experience, and objectivity to the Board. They have not served member contributes effectively to the Board, new directors as independent directors for a maximum cumulative term of receive appropriate induction training and all directors attend nine years from the reckoning period rule and do not have an annual training on Corporate Governance. Directors also more than five board seats in other publicly listed companies. receive regular updates on regulatory changes and market In 2019, the Bank increased to four the number of independent developments, and are encouraged to attend relevant training directors. programs to develop and refresh their knowledge and skills.

Executive and Non-Executive Roles Board Remuneration Good corporate governance is the cornerstone for a successful Board of Directors The roles of the Chairman, Mr. Jonathan T. Gotianun, and the Our model for compensating directors and executives follows and sustainable business. As the highest governing body in EastWest, the Board of Vice Chairman and CEO, Mr. Antonio C. Moncupa Jr., are clearly best practices for good governance. We establish formal and Directors provides stewardship, sets the direction, and distinct and separate. Being a non-executive director, Mr. transparent procedures for the development of a policy on In 2019, EastWest continued to strictly adhere to its Corporate performs general oversight of our management and operations. Gotianun is not involved in the day-to-day operations of the executive remuneration or determination of remuneration Governance Manual which was revised on May 24, 2018. The It approves the Bank’s overall strategy and makes decisions Bank but advises Senior Management on matters related levels for individual directors, depending on the Bank’s Manual outlines the definitions of corporate governance, based on our core values and principles, emphasizing long- to strategy and policy. Providing leadership in the Board particular needs. nomination and election, meetings and quorum requirements. term performance. of Directors, he presides over the Board and stockholders’ It also enumerates the duties of Board members, Board meetings, ensuring that the Board takes an informed decision No director is allowed to participate in deciding on his committees, and key officers and employees. It also features a The Board is also responsible for fostering the long-term in all matters affecting the Bank and its shareholders. remuneration. Each director receives a monthly professional disclosure system which highlights adherence to the principles success of the Bank and securing its sustained competitiveness fee for attending Board and committee meetings. This is of transparency, accountability and fairness. in a manner consistent with its fiduciary responsibility. The As Vice Chairman and CEO, Mr. Moncupa ensures that the also in consideration of their valuable contributions in the Board is committed to conduct itself with utmost honesty, strategic goals set by the Board are met. He has direct and formulation and continuing review of the Bank’s overall Governance Structure integrity, and transparency in the discharge of its duties, immediate supervision over the long-term and daily operations strategy and performance. Remunerations given to directors At EastWest, corporate governance starts at the top. Our Board functions, and responsibilities. It holds regular and special and management of EastWest and executes the administrative which were approved by the Board Remuneration Committee of Directors and Senior Management team foster critical meetings to discuss the Bank’s strategic direction and and operational policies approved by the Board. amounted to Php20.8 million in 2019, Php20.1 million in 2018, exchange of views and objective judgement. They set the tone performance, as well as policies and developments in the areas Php19.1 million in 2017, and Php12.0 million in 2016. Executive Board Self-Evaluation and ensure that mechanisms for full disclosure, and protection of risk management, IT, governance, and relevant operational Directors and FDC-affiliated Directors continue to waive their All directors undergo a regular self-evaluation to allow them of the rights and equitable treatment of shareholders are in functions. professional fees. to assess their conduct in accordance with their mandate and place.

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Corporate Governance

Retirement and Succession information about the Board, its mandate, the Board Board Committees practices while overseeing the implementation of compliance EastWest directors are elected by our shareholders and committees and their charters, and our directors. programs, money laundering prevention programs and Pursuant to the Bank’s Corporate Governance Manual, its Board thus should not be removed simply because of their age. As ensuring that regulatory compliance issues are resolved created each of the following committees and appointed Board long as board directors are able to effectively perform their Board Meetings expeditiously. In addition to its governance role, the CGCC members thereto. functions, the Bank considers them eligible to stay in the The Board holds a meeting for organizational purposes also assumes the nomination function whereby it reviews board. In line with this, the Bank’s retirement policy for its immediately after election every calendar year and have and evaluates the qualifications of all persons nominated to Each member of the respective committees named below has Board of Directors is not based on age but one that is based regular meetings once a month. Special meetings of the Board the Board, all direct reports of the CEO and the President, been holding office as of the last Annual Stockholders’ Meeting on their capabilities to carry out their function. The Corporate may be called at any time by the Chairman or by the Vice regardless of rank, heads of Governance Units and other which was on April 22, 2019 and will serve until his successor Governance and Compliance Committee evaluates the fitness Chairman, or upon written request of at least a majority of the positions of the Bank requiring appointment by the Board of shall have been elected and qualified. of the nominees for the Board of Directors. Upon election, a directors. Directors. director serves for a term of one year subject to re-election the Executive Committee We have seven Board-level committees created to assist the following year. Independent directors shall serve a maximum The Executive Committee is empowered to direct the business The Committee oversees the annual performance evaluation Board in performing its duties and responsibilities and ensure cumulative term of nine years (reckoned from 2012), after of the Bank vested by law in the Board of Directors insofar of the Board, its committees, and individual directors and efficiency and focus. which the independent directors can no longer be re-elected as such powers and authority may be lawfully delegated conducts an annual self-evaluation of its performance as as such in the Bank. However, they may continue to qualify for to the Executive Committee, including the power to review prescribed under and in accordance with the Corporate Board Attendance nomination and election as a regular director. Notwithstanding and approve proposals and transactions related to credit in Governance Manual and the SEC Code of Corporate the term limit for the independent directors, there is no fixed The Bank held twelve (12) Regular Board Meetings from amounts within the limits of its delegated authority. Governance for Publicly Listed Companies and BSP Manual of term limit for the regular directors. January to December 2019; and one (1) Organizational Meeting Regulations for Banks (MORB). of the Board held on April 22, 2019 or a total of Thirteen (13) The Executive Committee is composed of five (5) directors and Shareholder Communication Board Meetings. meets weekly or as often as it may be necessary to address all The Committee, composed of four members, three of whom are Our Board and Senior Management keep our shareholders matters referred to it. In 2019, 33 regular and special meetings independent directors, including the Chairperson, meets every abreast of developments in the Bank through our annual The following are the attendance of the Directors of the Bank were conducted and attended by at least a majority of the other month or when necessary. In 2019, 12 meetings (regular shareholders’ meeting, annual report, general information who attended the Board Meetings from January to December Committee members. and special) were conducted and attended by Committee sheet, quarterly financial reports, news releases, and our 2019: members. corporate disclosures. Our website provides extensive Executive Committee Members/ Position/ No. of No. of Percentage of Corporate Governance and Compliance Committee (CGCC) Designation in Committee Meetings Meetings attendance to the Members/ Position/ No. of No. of Percentage of Attended Required board meetings Designation in Meetings Meetings Attendance to to Attend (total of meetings) Committee Attended Required to the Committee Attend Meetings Board of Directors’ Attendance in Meetings in 2019 Jonathan T. Gotianun, 32 33 97% Percentage of Attendance to the Chairman Paul A. Aquino, 12 12 100% Members Position/ Designation in Committee No. of Meetings Attended Chairman Board Meetings Lourdes Josephine T. 29 33 88% Jonathan T. Gotianun Chairman 12 92% Gotianun – Yap, Member Jonathan T. Gotianun, 8 12 67% Member Antonio C. Moncupa, Jr. Vice Chairman & CEO 12 92% Antonio C. Moncupa, Jr., 31 33 94% Jose S. Sandejas, 5 5 100% Member L. Josephine G. Yap Director 11 85% Member* Mercedes T. Gotianun Director 13 100% Mercedes T. Gotianun, 10 33 30% Carlos R. Alindada, 5 5 100% Member Jesus Roberto S. Reyes Director 13 100% Member* Jesus Roberto S. Reyes, 32 33 97% Jose Maria Hofileña, 7 7 100% Isabelle G. Yap Director 12 92% Member Member** Wilson L. Sy Director 12 92% *Until April 2019 Carlos R. Alindada Director 13 100% Corporate Governance and Compliance Committee (CGCC) **Starting May 2019 Paul A. Aquino Independent Director 13 100% The Corporate Governance and Compliance Committee leads Jose Maria G. Hofileña ** Independent Director 10 77% the Bank and assists the Board of Directors in defining and Gregorio U. Kilayko ** Independent Director 10 77% fulfilling the corporate governance policies and attaining best Jose S. Sandejas * Independent Director 4 31% * resigned April 2019 ** joined April 2019

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Corporate Governance

Related Party Transactions Committee (RPT Committee) up the Internal Audit Division, and for appointing the Chief Risk Management Committee (RMC) Compensation Committee The RPT Committee assists the Board in ensuring that Audit Executive and an independent external auditor who The Risk Management Committee assists the Board in The Compensation Committee is composed of six members transactions with related parties of the Bank are handled in a both report to the Audit Committee. It monitors and evaluates fulfilling its responsibilities in managing the Bank’s risk-taking including the Bank’s CEO, the President and one independent sound and prudent manner, with integrity and in compliance the effectiveness and accuracy of the internal control system activities. The RMC reviews and approves principles, policies, director. It ensures that the compensation policies and with the applicable laws and regulations to protect the interest established throughout the Bank, through the Internal Audit strategies, processes, and control frameworks pertaining to risk practices are consistent with the corporate culture, strategy of depositors, creditors and other stakeholders. It also ensures Division. management. It also recommends to the Board any necessary and the business environment under which it operates. It that related party transactions are conducted on an arm’s modification or amendment to strategies and policies relative evaluates and recommends to the Board incentives and other length basis and that no stakeholder is unduly disadvantaged The Internal Audit Division provides independent, objective to risk management. Its functions include identifying and equity-based plans designed to attract and retain qualified and by such transactions. assurance and consulting services designed to add value evaluating the Bank’s risk exposures, estimating its impact to competent individuals. and improve the Bank’s operations. It helps the organization the organization and assessing the magnitude, direction and The RPT Committee is composed of three members, three of accomplish its objectives by bringing a systematic, disciplined distribution of risks across the Bank, which it uses as basis in The Committee meets at least once a year and provides overall whom are independent directors, including the Chairperson. approach in evaluating and improving the effectiveness determining risk tolerances that it subsequently recommends direction on the compensation and benefits strategy of the It meets every other month or whenever necessary to discuss of risk management, internal control and governance to the Board for approval. RMC reports to the Board the Bank. In 2019, one meeting was conducted and attended by all and agree on matters to be endorsed to the Board of Directors processes. It functionally reports to the Audit Committee overall risk exposures as well as the effectiveness of its risk the Committee members. for approval or confirmation. In 2019, 8 meetings (regular and and administratively to the CEO. Internal Audit Division is management practices and processes while recommending special) were conducted and attended by Committee members. independent to the Bank’s other organizational units as well as further policy revisions when necessary. Compensation Committee of the personnel subject of the audit. Members/ Position/ No. of No. of Percentage of Related Party Transactions Committee (RPT Committee) The RMC, which meets every month, is composed of three Designation in Committe Meetings Meetings attendance to the Attended Required board meetings Members/ Position/ No. of No. of Percentage of The Audit Committee, which consists of four members, all of members, of which two are independent directors, including to Attend (total of 1 meeting) Designation in Meetings Meetings Attendance to whom are independent directors, meets once a month. In 2019, the Chairperson. Members of the Committee possess adequate Committee Attended Required to the Committee Lourdes Josephine 1 1 100% Attend Meetings 12 regular meetings were conducted and attended by all the knowledge and understanding of the institution’s risk T. Gotianun – Yap, Paul A. Aquino, 8 8 100% Committee members. exposures and expertise in developing appropriate risk policies Chairman Chairman and strategies. In 2019, 12 regular meetings were conducted Jonathan T. Gotianun, 1 1 100% Member Jonathan T. Gotianun, 5 8 63% Audit Committee and attended by all the Committee members. Member Antonio C. Moncupa, Jr., 1 1 100% Members/ Position/ No. of No. of Percentage of Jose S. Sandejas, 4 4 100% Member Designation in Meetings Meetings Attendance to Risk Management Committee (RMC) Member* Committee Attended Required to the Committee Paul A. Aquino, 1 1 100% Carlos R. Alindada, 4 4 100% Attend Meetings Members/ Position/ No. of No. of Percentage of Member Member* Carlos R. Alindada, 12 12 100% Designation in Meetings Meetings Attendance to Committee Attended Required to the Committee Carlos R. Alindada, 1 1 100% Chairman Jose Maria Hofileña, 4 4 100% Attend Meetings Member Member** Paul A. Aquino, 12 12 100% Jose Sandejas, 3 3 100% *Until April 2019 Member* Chairman* **Starting May 2019 Gregorio U. Kilayko, 7 8 88% Member* Paul Aquino, Member* 3 3 100% Audit Committee Atty. Jose Maria G. 5 8 63% Wilson Sy, Member 11 12 92% The Audit Committee assists the Board of Directors in Hofileña, Member* Gregorio Kilayko, 9 9 100% overseeing the Bank’s financial reporting process, system of Jose S. Sandejas, 4 4 100% Chairman** internal controls and the process for monitoring compliance Member Carlos Alindada, 9 9 100% with laws and regulations, and the code of conduct. It also *Starting May 2019 Member** provides reasonable assurance to the Board on the overall *Until April 2019 **Starting May 2019 management of risks of the Bank. It is responsible for setting

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Corporate Governance

Trust Committee Trust Committee Cascading Compliance Corporate Governance Manual The Trust Committee assists the Board in fulfilling its Members/ Position/ No. of No. of Percentage of It is our firm belief that compliance with corporate governance Our strong focus on upholding the highest corporate responsibilities to oversee the proper management and Designation in Meetings Meetings Attendance to standards and regulatory guidelines and directives is a shared governance principles is enshrined in our Corporate administration of the Bank’s trust and other fiduciary Committe Attended Required to the Committee Attend Meetings responsibility of everyone in the organization. Each employee Governance Manual. The Manual was designed to define businesses. Duly constituted and authorized by the Board, the Jonathan T. Gotianun, 5 5 100% is expected to have a working knowledge of all relevant laws, the framework of rules, systems, and processes governing Committee acts within the sphere of authority as provided in Chairman (4 regular rules and regulations applicable to his assignment and must the performance of the Board and EastWest management. the Bank’s By-laws and/or as may be delegated by the Board. and one fulfill his tasks in compliance with the Bank’s policies, code of It establishes the structure by which we carry out corporate It undertakes such responsibilities but not limited to the special meeting) conduct and standards of good governance. governance and serves as reference for all the members of the following: Board and Senior Management in the conduct of their duties Jesus Roberto S. 5 5 100% The Compliance Office, headed by the Chief Compliance Officer, and responsibilities. • acceptance and closing of trust and other fiduciary Reyes, Member/ is vested with the role of designing the Bank’s Compliance accounts; President Program and overseeing and coordinating its effective Every member of our organization is made aware of these • initial review of assets placed under the trustee’s fiduciary Lourdes Josephine 5 5 100% custody; Gotianun-Yap, implementation towards the sound management of policies, and the Board of Directors and Senior Management Member compliance risks. It is also its responsibility to propagate the commit themselves to the principles and best practices • investment, reinvestment and disposition of funds or right compliance culture across the organization. contained in this manual. property; Wilson L. Sy, Member 5 5 100% Robert B. Ramos, 5 5 100% • review and approval of transactions between trust and/or Member/Trust Officer We have appointed Business Compliance Officers (BCOs) in An electronic copy of the manual is available in EastWest’s fiduciary accounts; and every unit of the Bank responsible for ensuring the consistent corporate website, www.ewbanker.com. • review of trust and other fiduciary accounts to determine Independent Audit implementation in his unit of the Bank’s Compliance Program the advisability of retaining or disposing of the trust or fiduciary assets and/or whether the account is being Audit is an essential part of our governance framework and and cascaded regulatory issuances. As designated by the Evaluation System and Compliance managed in accordance with the instrument creating the internal control system. Our Internal Audit, which performs Vice Chairman & CEO, the heads of our business units are As part of its system for monitoring and assessing compliance trust or other fiduciary relationship. year-round audits to check operational efficiency, and our automatically assigned to perform this role, having the sole with the Corporate Governance Manual and the SEC Code of external audit firm, which validates annually the accuracy of responsibility for efficiently running the day-to-day operations Corporate Governance, each Board Committee is required The Trust Committee also presides over the proper conduct of financial statements, work independently and collaboratively in his unit. The BCOs are each tasked to appoint a Deputy to report regularly to the Board of Directors. In addition, the the Bank’s Trust business, periodically reviewing the business to examine and evaluate the controls in place and Business Compliance Officer (DBCO) to serve as their eyes on Corporate Governance Manual is subject to annual review or development initiatives such as staffing and delineation determine if they are working as intended. the ground and facilitate faster and easier coordination with when necessary as mandated by law or regulation. of responsibility/accountability, proactive development the Bank’s Compliance Division. and implementation of strategies for the cultivation of Internal Audit The Chief Compliance Officer is responsible for determining In addition, our governance units, namely Compliance, Risk revenue streams and cost management, and application and Internal Audit (IA), which provides functional support to the and measuring compliance with the Corporate Governance Management, and Internal Audit, coordinate and work together monitoring of the proper performance benchmarks. Audit Committee, is mandated to evaluate the effectiveness Manual and the SEC Code of Corporate Governance. Any in meeting the common governance, risk management and as well as recommend appropriate courses of action to violation of the Bank’s Corporate Governance Manual shall internal control goals of the Bank. The Trust Committee is composed of five members, namely the senior management and the Board to improve the Bank’s risk subject the responsible officer or employee to the penalties in President, Trust Officer and three directors. It meets once every accordance with the Bank’s Code of Discipline and Ethics. management, compliance, internal controls, and corporate Making Good Governance Work quarter or more frequently as circumstances may warrant. In governance processes. 2019, 5 regular meetings were conducted and attended by all It is important for all our stakeholders that we act with Conflict of Interest the Committee members. integrity, transparency, and accountability in the Bank. And We seek to ensure transparency and fairness in all our dealings our commitment goes beyond the close of every banking day. with stakeholders and our public. We have established policies We strive to earn trust in the way we manage our business to prevent potential conflict of interest, which we have defined responsibly at every encounter. as any situation wherein our directors, officers, and employees have a competing interest against the Bank or our customers.

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Corporate Governance

All our directors, officers, and employees are prohibited from Related Party Transactions Whistle-Blowing Policy In addition, we built and continue to improve the EastWest engaging in any transaction where their personal interests Learning & Development to form a learning community where We have formulated and implemented policies and procedures Our ethical culture is supported by an environment where could compromise their judgement or ability to act in the best EastWestbankers hone their skills and build competencies that would ensure the integrity and transparency of related concerns can be raised without fear of retaliation. We interest of the Bank or our customers. in their specific disciplines. We also organized unit party transactions (RPT) between and among the Bank and our provide various means for raising concerns, including the representatives into an Employee Relations Council to address parent company, joint ventures, subsidiaries, affiliates, major ability to report them on an anonymous basis. All reports are The Code of Discipline and Ethics governs conflict of interest employee concerns and grievances. stockholders, officers, and directors, and relevant parties. As investigated, and breaches of the Code of Discipline and Ethics in all employees, and any inquiry into this matter is coursed these transactions may give rise to a conflict of interest, we are dealt with swiftly and decisively. through the Human Resources Group and duly discussed with Ecological Protection keep them at an arm’s length basis and afford such related the employee’s direct supervisor and the Chief Compliance party no special favor or treatment. Our program, Ethics-Direct, encourages employees, clients, We uphold the pressing responsibility of protecting the Officer. shareholders, and third-party partners to report any incident or environment through water and energy conservation programs Our RPT Committee conducts a periodic review of RPT policies knowledge of misconduct, irregularity, or breach of ethics that we have put in place. We do our share in carbon reduction Dividend Policy and procedures, including materiality thresholds and internal can go against the interest of the Bank and its stakeholders. and ensuring socioeconomic stability through policies that Dividends may be declared from the surplus profits arising from limits and endorses revisions, if necessary, for Board approval Each whistleblower’s identity is well-protected. make our value chain eco-friendly, socially responsible, and the business of the Bank at such time and in such percentage and confirmation of the majority vote of stockholders. consistent with the sustainability goals that other banks and as the Board of Directors may deem proper. No dividends may Various channels of communication – including direct industries have purposely set to achieve going forward. be declared that will impair the Bank’s capital below regulatory Anti-Money Laundering supervisors and managers, a designated officer, and the Whistle prescriptions. Stock dividends shall be declared in accordance Retirement of Senior Officers EastWest sees current policies to combat money laundering as Blowing committee – are open and ready to accommodate with the law. The Board has set 20% to 30% of earnings will be an opportunity to increase our vigilance and our knowledge of complaints and reports of undesirable acts and behavior. The retirement age of Senior Officers is generally the same declared as dividends. This policy has been put on hold in the our customers. We continue to comply with the provisions of as with all other bonafide EastWestbankers as embodied in meantime that the Bank is in a ‘full speed’ growth plan. The the Anti-Money Laundering Act (AMLA), with our Compliance Employee Health, Safety, and Wellness the Plan Rules and Regulations of the EastWest Employees’ decision was made in lieu of making a capital call. Division overseeing our overall direction in this area. We We treat the health, safety, and well-being of our employees as Retirement Plan. The normal retirement date for our continued to strengthen our AML program in 2019 and further a benchmark for the success of our corporate governance. We employees is attainment of age 60 but there may be cases that Insider Trading enhanced transaction monitoring and keeping in touch with provide health insurance, group life insurance, and retirement calls for late retirement, which the Board will approve. As a publicly listed company, we are governed by the rules of news and developments in the market that could create huge benefits to all full-time employees to help guard their wellness. the Philippine Stock Exchange (PSE) and the Securities and reputational risks apart from actual financial damage. Exchange Commission (SEC) in disclosing trading transactions from directors to principal officers. Our internal policy requires We take pride in having 100% awareness of our anti-money all these individuals to secure prior clearance in any trading laundering policy in our ranks, as it is a foundational training transaction, as well as to inform our Investor Relations Office course for each member of the organization. Even those who and the Office of the Corporate Secretary on such trading are not in the frontlines are required to take the course to know transactions within one banking day after transaction the basic rules and protect the business. In our EastWest stores, execution. Information is deemed properly disseminated via we conduct specialized AML courses and briefings during disclosures in the form of SEC filings, PSE disclosures, press service and sales clinics to reinforce proper client identity releases, or placements on our website. We prohibit any of the process from onboarding to continuous monitoring of account Bank’s directors, officers, and employees privy to sensitive or activity and all other controls that ensure the Bank’s protection material information about our company, products, or services against unlawful activity. to pursue agreements or transactions involving those products or services on his or another person’s behalf.

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Material Related Party Transactions For the year 2019 (Php in thousands)

Category Amount/ Volume Outstanding Balance Terms and Conditions/ Nature

Subsidiaries

Receivables purchased − 1,977,981 Receivables purchased by the Parent Company from EWRB

Receivable sold − 381,995 Employee loans sold by the Parent Company to EWRB

Amount collected by EWRB from borrowers on behalf of the Parent Company that remained unremitted and other related expenses Accounts receivable − 91,930 shouldered by the Parent Company on behalf of the Subsidiaries

Accounts receivable − 99,179 Receivables from subsidiaries which represent expenses shouldered by Parent Company

Deposit liabilities − 759,108 Earns interest at the respective bank deposit rates

Deposits 129,333,782 −

Withdrawals 128,976,890 −

Accounts payable − 105,791 Cash reloading transactions between EWRB and the Parent Company

Interest expense 935 − Interest expense on deposits of EWRB and EWIB

Interest income 1,134 − Interest income on loans receivable

Service fees paid to EWRB for account servicing equivalent to 0.37% of loan amounts collected by EWRB on behalf of the Parent Service fee expense 30,439 − Company for the receivables purchased and for collection of credit card payments Service fees paid by EWRB for account servicing equivalent to 0.37% of loan amounts collected by the Parent Company on behalf of Service fee income 776 − EWRB for the receivables sold

Commission expense 232,191 − Commission expense paid by the Parent Company to QMIS

Rent income 306 − Rent of office space leased to subsidiaries

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Board of Directors

Left to right: Left to right:

Front : MERCEDES T. GOTIANUN, Director; ANTONIO C. MONCUPA JR., Vice Chairman, President and CEO Front: JONATHAN T. GOTIANUN, Chairman; LOURDES JOSEPHINE GOTIANUN-YAP, Director Back : PAUL A. AQUINO, Independent Director; NELSON JOHN M. BONA, Director; Back: GREGORIO U. KILAYKO, Indpendent Director; ATTY. BENEDICTO M. VALERIO JR., Corporate Secretary; CARLOS R. ALINDADA, Independent Director; WILSON L. SY, Director ATTY. JOSE MARIA G. HOFILEÑA, Independent Director; ISABELLE GOTIANUN YAP, Director

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Directors' Profiles

JONATHAN T. GOTIANUN Past Positions Education Past Position Past Positions ATTY. JOSE MARIA G. HOFILEÑA 67 years old, Filipino President of EastWest Banking Corp.; Director Accounting degree from the University of the President/CEO of PNOC- Energy Dev. Corp. Assistant Corporate Secretary and General 59 years old, Filipino Chairman of the Board since 2007 of East West Ageas Life Insurance Corporation; East and Masters in Business Administration Counsel of International Exchange Bank Independent Director since 2019 Executive Vice President and Chief Financial in Corporate Finance degree from New York Education Committees Officer of the International Exchange Bank University; finished an Advance Management Electrical Engineering degree and a Masters Education Committees Chairman, Executive and Trust committees Program at Harvard University in Business Administration degree from Santa Commerce degree from the De La Salle Chairman of the Related Party Transactions Member, Corporate Governance & Education Clara University in California; conferred a University, Bachelor of Laws degree from the Committee Member of the Audit Committee Compliance, Compensation, and Related Double degree in Economics and Accounting Doctor of Management Science (Honoris Ateneo de Manila University, and Masters Member of the Audit and Corporate Party Transaction Committees from the De La Salle University and Masters Causa) degree by the Philippine School of in Business Administration degree from the Governance Committees in Business Administration degree from the CARLOS R. ALINDADA Business Administration Ateneo Graduate School of Business University of Chicago 84 years old, Filipino Concurrent Positions Concurrent Positions Independent Director since 2002 Dean at Ateneo de Manila School of Law; Chairman of Filinvest Development Corp., WILSON L. SY ISABELLE GOTIANUN YAP Director of Vitasoy-URC, Inc. Filinvest Land, Inc., Cotabato Sugar Central Committees 68 years old, Filipino 32 years old, Filipino Co., Inc., Davao Sugar Central Co., Inc., MERCEDES T. GOTIANUN Chairman of the Audit Committee Director since 2016 Director since 2019 Past Position CountryWide Water Services, Inc., East 92 years old, Filipino Member of the Risk Management Committee Partner in Sycip Salazar Hernandez & West Rural Bank, Inc., East West Ageas Life Director since 1995 Committees Concurrent Position Gatmaitan Insurance Corp., and East West Leasing and Concurrent Positions Member of the Risk Management and Trust Special Projects officer of EastWest Bank Finance Corp.; Director of Filinvest Alabang, Committee Independent Director of Tanduay Distillers, Committees Education Inc., FDC Misamis Power Corp., FDC Utilities, Member of the Compensation Committee Inc., Bahay Pari Solidaritas Fund, Datem, Inc., Past Positions Bachelor of Arts degree with Honors from Inc., and FDC Hotels Corp.; Director and Vice and Home Credit Philippines Concurrent Positions Previously worked in multinational Ateneo de Manila University, and Bachelor President of Pacific Sugar Holdings Corp. Concurrent Positions Chairman & Director of Wealth Securities, companies such as McKinsey & Company, of Laws at Ateneo de Manila School of Law; Chairman of Filinvest Alabang, Inc.; Chairman, Past Positions Inc.; Chairman of Manila Stock Exchange SingTel, and HSBC Masters of Laws from Harvard University Law Past Positions President & CEO of Andremerc Holdings Chairman and Managing Partner of SGV & Found, Inc.; Director of The Philippine Stock School Vice Chairman and Director of EastWest Bank Corp.; Director of Filinvest Development Co.; Director of the National Power Corp.; Exchange; Vantage, Securities, Inc.; Philequity Education from 1994 to 2007 Corp., Filinvest Land, Inc., A. L.Gotianun, Inc., Commissioner of the Energy Regulation Management, Inc.; Asian Alliance Holdings Business Management, Double Major Finance Davao Sugar Central Corp., Cotabato Sugar Commission; Chairman of Review Oil Corp.; Pacific Online Systems Corp.; Xcell and Marketing degree from Singapore NELSON JOHN M. BONA Education Central Company Inc., High Yield Sugar Farm Deregulation Law and Committee - SSS Property Ventures, Inc.; Monte Oro Resources Management University, with a Masters 69 years old, Filipino Commerce degree from the Santa Clara Corp., FDC Misamis Corp., Team Gladiola, & Energy, Inc.; Vantage Financial Corp.; degree in Business Administration from Director since 2020 University in California and Masters in Inc., and FDC Utilities, Inc.; Vice Chairman of Education Leisure & Resorts World Corp.; MORE Coral Harvard Business School Management degree from the Kellogg School Pacific Sugar Holdings Corp. Accounting degree from the University of the Corp.; MORE Minerals Corp.; MORE Reedback Concurrent Positions of Management, Northwestern University in East and Masters in Business Administration Corp.; MORE Oil & Gas Corp.; Sinag Energy EVP, Chief Financial Officer & Compliance Evanston, Illinois, USA Education in Corporate Finance degree from New York Philippines, Inc.; Member, Board of Trustee at GREGORIO U. KILAYKO Officer of Filinvest Development Corp. Pharmacy degree, Magna cum laude, from University; finished an Advance Management Ateneo De Manila University Corp. 65 years old, Filipino (FDC); Compliance Officer of Filinvest Land, the University of the Philippines Program at Harvard University Independent Director since 2019 Inc. (FLI); Director of CPI, FAC, TSNC, FAII Past Positions Phils., Inc. and FDC Forex. Concurrently ANTONIO C. MONCUPA JR. Chairman of The Philippine Stock Exchange Committees holds various positions in other Filinvest 62 years old, Filipino from 1996-1998 and Director of Yehey! Chairman of the Risk Management subsidiaries and affiliates. Director and Chief Executive Officer since LOURDES JOSEPHINE GOTIANUN - YAP PAUL A. AQUINO Corporation and International Exchange Bank Member of the Audit Committee 2007 and Vice Chairman since 2017 65 years old, Filipino 77 years old, Filipino Past Positions Director since 2000 Independent Director since 2009 Education Concurrent Positions Held officer/executive positions since 1972 in Committees: Management Engineering degree from the Independent Director of Belle Corporation, various banks and institutions including Rizal Committees Member of the Executive and Compensation Committees Ateneo de Manila University SM Prime Holdings, Inc., Philequity Funds Commercial Banking Corporation, Security Committees Chairman of the Compensation Committee Chairman of the Corporate Governance Bank, Family Bank, Bank of the Philippine Member of the Executive and Trust & Compliance Committee Member of Past Positions Islands, Morgan Guaranty Bank of New York, Concurrent Positions: Committees the Related Party Transactions and Risk Country Representative of James Capel Filinvest Capital Inc., EastWest Bank, Millenia Director of Pasberfund Realty Holdings, Management Committees ATTY. BENEDICTO M. VALERIO JR. Securities (Philippines); President of ING Communications, and Filinvest Land Inc. Bancnet, Philippine Rural Reconstruction Concurrent Positions 62 years old, Filipino Baring Securities (Philippines) and ABN-Amro President and Director of Filinvest Land, Movement, East West Leasing & Finance Concurrent Positions Corporate Secretary since 2007 and Director Securities (Philippines); Chairman and CEO Education Inc., Filinvest Alabang, Inc., Filinvest Corp., LGU Guaranty Corp., Bankers Independent Director of East West Ageas Life from 2012 to 2017 of ABN-Amro Bank (Philippines); Manager Graduate of AB-Commerce at University of Development Corp., Mimosa Cityscapes, Inc., Association of the Philippines, and Philippine Insurance Corp.; Director of Skycable, Inc.; of NCRD, Bureau of Energy Development, Sto. Tomas. Attended MBA Program at De Festival Supermall, Inc.; Director of Chroma Payments Management, Inc.; ViceChairman/ President/Trustee of Keitech (Kananga EDC Concurrent Positions Treasury, Philippine National Oil Company La Salle University and training programs at Hospitality, Inc., High Yield Sugar Farm Corp., Director of East West Rural Bank, Inc. Institute of Technology); Honorary Consul Corporate Secretary of East West Ageas Life Morgan Guaranty Bank of New York Cotabato Sugar Central Company Inc., Davao of the Government of Malta; Consultant Insurance Corp., Ardent Development Corp., Education Sugar Central Corp., Pacific Sugar Holdings of Energy Development Corp.; Trustee of Hospitality Int’l., Inc., Lodging Concepts, Inc., B.S. Industrial Management Engineering Corp. Tanging Yaman Tribal DDB, Inc., Monserrat Holdings, Inc., and degree at De La Salle University, with a Hospitality Innovations, Inc. Masters Degree in Energy Management and Business Administration from University of Pennsylvania

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Senior Management

RAFAEL S. ALGARRA, JR JACQUELINE S. FERNANDEZ RICK M. PUSAG GRACE N. ANG SEVP & Head of Treasury, Markets and Off-Balance Sheet SEVP & Chief Lending Officer EVP & Head, Technology & Productivity SVP & Chief Risk Officer • 51 years old, Filipino • 57 years old, Filipino • 51 years old, Filipino • 44 years old, Filipino • Over 27 years of banking experience • Over 33 years of banking experience • Over 23 years of evolving experiences in Information Technology • 20 years of banking experience • Former EVP & Head of Financial Markets in Security Bank • Former Head of Consumer Credit of Standard Chartered Bank with strong emphasis in the Software development modelling and Philippines implementation, Infrastructure analysis and architecting, risk mitigation, • Former Senior Manager of International Exchange Bank • Graduate of Ateneo de Manila University, BS Management Engineering and digital transformation Asian Institute of Management, Masters in Business Management • Graduate of the University of the Philippines Diliman, AB Economics, • Graduate of De La Salle University, B.S. Accountancy • Former SVP and Chief Information Officer of Security Bank Cum Laude and Masters in Business Administration • Certified Public Accountant • Graduate of California Polytechnic University Pomona, Bachelor of Science, Business Administration/ Computer Information Systems

GERARDO SUSMERANO C. DAVID T. ESCARDA ERIBERTO LUIS S. ELIZAGA ELOIDA F. OQUIALDA SEVP & Head, Retail Banking EVP & Group Head, Human Resources SVP & Head, Corporate Banking SVP & Chief Audit Executive • 55 years old, Filipino • 56 years old, Filipino • 56 years old, Filipino • 57 years old, Filipino • Over 22 years of banking experience • Over 30 years of experience in Human Resources Management • Over 20 years of banking experience focusing on corporate banking • Over 25 years of banking experience • Former Center Head of International Exchange Bank • Former Director of People and Culture at Philip Morris (Pakistan) • Former Corporate and Commercial Banking Head of PBCom • Former FVP & Department Head of the Internal Audit Division of Rizal Limited, former Director for HR Sales and Marketing and Director for HR Commercial Banking Corporation Graduate of the University of Sto. Tomas, BS Accounting, and Asian • Graduate of A.B. Economics, Ateneo de Manila University, Masters in • Operations at PMFTS Institute of Management, Masters in Business Administration Business Administration in Ateneo Graduate School of Business • Graduate of the Polytechnic University of the Philippines, B.S. Accountancy, • Graduate of Cornell University, Human Resources Development Program; Cum Laude and graduate of De La Salle University, Manila, Bachelor of Science Major • Certified Public Accountant, Certified Information Systems Auditor, in Industrial Management Engineering Certified Internal Auditor, and Certified Risk and Information Systems Control

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Senior Management

DR. ROBERT B. RAMOS ATTY. ELEANOR B. RIVERA MINDA L. CAYABYAB ANNA MARIA V. GONZALES SVP & Trust Officer SVP & Chief Compliance Officer FVP & Financial Controller, Director of EW Rural Bank FVP & Head, Human Resources • 47 years old, Filipino • 54 years old, Filipino • 48 years old, Filipino • 62 years old, Filipino • Over 20 years of finance and banking experience • Over 20 years of experience in the financial markets area covering • Over 26 years of accounting and banking experience • Over 25 years of extensive HR experience specific areas of securities regulation • Former First Vice-President and Trust Officer of UnionBank of the Philippines • Former Head, PSBank – Financial Accounting Services Division; • Former SVP & Country Head of Human Resources Philippines, Standard Former Managing Director of Philippine Dealing & Exchange Corp. for Former Senior Auditor, Isla Lipana & Co., Philippine member firm of Chartered Bank Graduate of B.S. Management Engineering, Ateneo de Manila University, • • almost 12 years PriceWaterhouse Coopers Asian Institute of Management, Masters in Business Management, and • Graduate of St. Paul College Manila, BS Psychology and Ateneo de University of Asia and the Pacific (UA&P), Masters in Business Economics • Graduated Accounting at the University of the Philippines - Diliman, • BS Business Administration major in Accounting with honors, Pamantasan Manila University, Clinical Psychology Cum Laude ng Lungsod ng Maynila, Cum Laude. • Chartered Financial Analyst, CFA Institute • Certified Public Accountant; Member of Bankers Institute of the Philippines

SALVADOR R. SERRANO IVY B. UY ATTY. LOURDES A. ONA RENATO P. PERALTA SVP & Head, Central Branch Operations 1 SVP & Head, Regional Branch Banking FVP & Head, Legal Services FVP & Head, Credit Management • 54 years old, Filipino • 47 years old, Filipino • 59 years old, Filipino • 60 years old, Filipino • Almost 30 years of banking experience, specifically on audit and bank • 24 years of banking experience • Over 25 years of experience in the law practice, the last 13 years of • Over 30 years experience in credit, account management, FX trading, operations which is with the banking industry and stock brokerage • Former Center Head-Manila Area of International Exchange Bank • Former SVP & Head of Operations in One Network Bank • Former Legal Counsel of Union Bank of the Philippines • Former Securities Head of United Coconut Planters Bank • Graduate of the University of Sto. Tomas, Hotel and Restaurant • Graduate of University of Sto. Tomas, Bachelor of Science in Commerce, Management, and Asian Institute of Management, Management • Graduate of Manuel L. Quezon College of Law, Bachelor of Laws • Graduate of Ateneo de Manila University, A.B. Economics major in Accounting, Master in Business Administration from De La Salle Development Program Certified Public Accountant University • • Certified Public Accountant

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Senior Management

RAMONCITO PEDRO R. PICHAY MANUEL JOEY A. REGALA ARNOLD STEPHEN H. SANIANO FVP & Head, Bank Operations FVP & Chief Information Security & Data Protection Officer VP & Head, Customer Service • 59 years old, Filipino • 61 years old, Filipino • 49 years old, Filipino • Over 31 years of work experience in Treasury and Financial • More than 30 years of management experience in Information Technology • Over 25 years of banking experience Management and IT Security • Former AVP and Card Sales Department Head of Equitable Cardnetwork, • Former First Vice President and unit Head of the Retail Sales Unit • Former VP & Information Security Department Head and Data Protection Inc. Distribution Group in UnionBank Officer of United Coconut Planters Bank • Graduate of University of the Philippines (Los Banos), Bachelor of Science • Graduate of Philippine School of Business Administration, Bachelor in • Graduate of Philippine School of Business Administration, BSBA Major in in Economics, Cum Laude, Master in Economics from University of the Science in Business Administration, Major in Accounting, Cum Laude Accounting Philippines (Diliman) • Certified Public Accountant, Certified Information Systems Auditor

RICHARD CHESTER C. TAMAYO ALESSANDRO L. VILLARAZA PAUL JOHN B. LOPEZ FVP & Head, Wealth Management FVP & Head, Bank Marketing & Corporate Communications SAVP & Head, Corporate Planning • 42 years old, Filipino • 51 years old, Filipino • 49 years old, Filipino • Over 20 years of banking experience • Over 20 years of banking experience focusing on credit cards marketing • Over 15 years of experience in finance • Former Vice President and Head of Ortigas Branch of Standard Chartered • Former Vice President of AIG • Former Banking Head of Business Finance at EastWest, Former Financial Bank Analyst at UnionBank • Graduate of University of Sto. Tomas, Bachelor of Science in Commerce, • Graduate of Ateneo de Manila University, Bachelor of Arts, Major in Major in Business Administration • Graduate of De La Salle University, Manila, Bachelor of Science Major in Economics Industrial Management Engineering and Minor in Mechanical Engineering

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Senior Officers List Organizational Chart

Board of Directors

Chairman Vice Chairman Gotianun, Jonathan T. Moncupa, Antonio Jr. C.

Senior Executive Vice Presidents Executive Vice Presidents Senior Vice Presidents Corporate Algarra, Rafael Jr. S. Escarda, C. David T. Ang, Grace N. Risk Related Party Trust Audit Governance Executive Compensation Fernandez, Jacqueline S. Pusag, Cecilio Frederick M. Elizaga, Eriberto Luis S. Management Transaction Committee Committee & Compliance Committee Committee Committee Committee Susmerano, Gerardo Oquialda, Eloida F. Committee Ramos, Robert Rol Richard Raymond B. Risk Trust Internal Audit Compliance Rivera, Eleanor B. Management Serrano, Salvador R. Uy, Ivy B.

Vice Chairman, First Vice Presidents President and CEO Abrogar, Gerald K. Gonzales, Anna Maria V. Regala, Manuel Joey A. Butalid, Armin C. Jao, Glenn Conrad N. Solosa, Patrick Dennis L. Cayabyab, Minda L. Legaspi, Jocelyn C. Tamayo, Aylwin Herminia P. Ching, Adrian S. Ona, Lourdes A. Tamayo, Richard Chester C. Execeutive Management Office De Guzman, Raul Victor M. Peralta, Renato P. Villaraza, Alessandro L. De Lara, Alastair S. Pichay, Ramoncito Pedro R.

Vice Presidents Treasury, Retail Loans Customer Bank Technology & Human Abad, Josephine Vilma A. Dela Cruz, Efren Jr. O. Nonato, Herman D. Markets and Off- Finance Banking Cluster Service Operations Productivity Resources Alviar, Jennifer E. Garcia, Eduardo S. Obias, Angelo Karol P. Balance Sheet Atienza, Jason Anthony V. Gomez, Claude Lorenz D. Raval, Assissi C. Beltran, Maria Margarita C. Guzman, Ires C. Reboredo, Raymond T. Bersamina, Julius P. Landrito, Ivah Marizol D. Rodriguez, Ben Valentino Jr. U. EW Rural EW Insurance EW Leasing Cabahug, Doli D. Lao, Christopher S. Rodriguez, Paulo Jose L. Bank Information Bank Marketing Credit Security and & Corporate Legal Services Caisido, Randy M. Laqueo, Maela D. Roque, Carmina Jeanne D. Management Caliwan, Mary Jane D. Lazo, Macrina P. Ruiz, Ian Jericho Nazareth E. Data Protection Communications Castañeda, Marie Perpetua Lim, Steve L. Salcedo, Paolo M. Socorre H. Locsin, Raul Raymund Jr. C. Saniano, Arnold Stephen H. Chan, Aurora Socorro O. Lorenzana, Stephanie Belina F. Sison, Rafael Jr. Z. Charvet, Rosalie D. Lozon, Renato D. Tanlapco, Trina Maria A. Safety and Business Administrative Corporate Chua, Paulina L. Lucio, Eva Joyce B. Valera, Valerie Mariflor G. Security Intelligence Services Planning Co, Ruth G. Macalintal, Anna Lynn E. Velez, Rodrigo Thelmo S. Coloma, Ma. Teresa A. Manalastas, Manuel L. Crisologo, Alexander Phillippe D. Mulimbayan, Maria Cecilia A.

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Subsidiaries

EastWest Rural Bank (EWRB) scored several milestones in 2019. of participating financial institutions in pursuit of its mandate EastWest Insurance Brokerage, Inc. (EWIB), the wholly owned EWIB expects to forge stronger synergy with EastWest stores to provide universal, equitable and viable social security subsidiary of EastWest, posted ₱52.6 million in 2019, 53.1% and other Filinvest Group businesses in the coming years. It The wholly owned rural bank arm of EastWest was recognized protection year-on-year. also strives to continue being proactive in the generation of by the Social Security System (SSS) for being the “Best Paying new businesses, renewing and bolstering incentive programs Partner” after posting the highest number of pensioners and EWRB was also cited for being the “2019 Best Private EWIB’s stellar performance was largely due to robust within EastWest’s top-performing units. members served in SSS benefit disbursements, compliant with Stakeholder” in the Brigada Eskwela program of the commission income, which amounted to ₱109.2 million or the Social Security Law. Department of Education in CARAGA Region. As the sole bank 44.4% more than the ₱72.5 million in 2018. From left to right: Rowena S. Zialcita, Finance & Accounting Head; Raymund R. Baloto, Admin & Operations Head; Gilbert F. Estigoy, Corporate Sales Head; recipient of the award, EWRB has shown its consistency and Peter Roy R. Locsin, President & CEO; George W. Villafuerte, Claims Head; The award was conferred during SSS’ Balikat ng Bayan Awards, commitment to aid in nation building through its active and Intensified cross-selling efforts such as offering free first- Racquel Lourdes L. Mendoza, AVP & FDC & Direct Marketing; Emilia P. Viernes, Retail & Commercial Sales Head an annual recognition that aims to show appreciation to banks consistent participation in the Brigada Eskwela initiative. year insurance for Auto Loans in EastWest stores and select that showed commitment to fulfilling the program’s mandate dealerships, competitive rates, sales incentive program, as well of providing social security protection to its members and their From left to right: Cristy G. Hurtado, People Support Group Leader; Veronica G. as growing its salesforce, helped boost EWIB’s portfolio size by Acuña, Cash Operations Group Leader; Jo Ann S. de Asis, Customer Experience beneficiaries. Cluster Leader; Edgardo I. Isagon, Corporate Governance Group Leader; Elpidio 17.0% during the period. F. Masbad III, President; Joseph Jay S. Loayon, Administrative Services Group Leader; Hera A. Duka, Loan Operations Group Leader; JackJohn P. Torrejos, The recognition strengthens the quality of partnership between Relationship Management Group Leader; Sheila M. Bajado, Operations Support EWRB and SSS, as the institution that acknowledges the value Cluster Leader

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Affiliate

Troo delivers another year of strong growth

EastWest celebrated the 4th anniversary of its bancassurance In addition, several projects were initiated to tap into new joint venture with international insurance group Ageas in 2019. EastWest channels such as Corporate Banking, Credit Cards Troo posted an insurance premium income of Php2.2 billion, up and Consumer Lending, whereas 94% of the home loan by 53% from 2018. borrowers of EastWest were covered by a credit life insurance from Troo. The growth propelled Troo in the most recent market rankings Committed to further developing innovative products and published by the Insurance Commission to 15th out of 31 life offering services that answer its customers’ needs and insurance companies in the Philippines (from full-year 2018 preferences, Troo successfully launched its GoTroo portal. This to third quarter 2019 based on New Business APE), climbing digital customer engagement platform provides customers two notches from the 17th spot. Its assets under management 24/7 access to their policies. To ensure its customers experience stood at Php3.6 billion and contributed Php360 million to seamless and personalized service, the company will continue EastWest’s fee income, 21% higher than 2018. to develop digital applications and advanced data analytics capabilities. Supported by higher activity ratios and average premiums, insurance sales through EastWest’s Retail Bank channel EastWest and its joint venture partner Ageas fully support the reached all-time highs despite a drop in single premium sales company’s ambition to become a top 10 industry player by across the insurance market. 2022 and made an additional capital infusion of Php700 million in 2019. EastWest’s Priority Banking contribution further increased driven by the launch of BuildWealth Limited Pay Variable Unit Troo will continue to help Filipinos plan for a better tomorrow From left to right: Linked and the expansion of its wealth center network. so they can live their best lives today and increase its support to sustainable development projects. Front: Lois Dalida, Chief Human Resources Officer; Milot Valencia, Chief Bancassurance Officer; Bee Tan, Chief Strategy & Business Development Officer; Rowena Empalmado, Chief Investment Officer

Back: Calvin Kohchet-Chua, Chief Legal and Compliance Officer; Hans Van Wuijckhuijse, Chief Operating Officer; Dominik Smeets, President & CEO; Glenn Williams, Chief Financial and Risk Officer; Carlo Licuanan, Chief Marketing Officer

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Products and Services

DEPOSITS TREASURY PRODUCTS CASH MANAGEMENT EASTWEST RURAL BANK CONSUMER LOANS CORPORATE CREDIT SERVICES Peso Checking FACILITIES Foreign Exchange DEPOSITS • Regular Checking Auto Loan • Spot Collection Services • Cheque Max • Auto Financing Working Capital Loans and • Forwards • Auto Debit Arrangement Current Accounts • ChequeMax Rewards • Fleet Financing Facilities • Swaps • Bills Collect • Regular CA - Individual • ChequeMax Plus (Family Ties) • Refinancing • Short Term Loan • Check Warehousing • Regular CA - Corporation • Revolving Promissory Note Fixed Income Peso Savings Home Loan • Revolving Credit Facility • Peso-denominated Disbursement Services Savings Accounts • Passbook Savings • Home Acquire/Condo Acquire • Trade Check Discounting Government and Corporate • Check Writing • ATM Savings • Account Passbook Savings • Lot Acquire Facility Securities • Electronic Invoice • Passbook Savings with Debit Card • Top-up Loan • Export Advance Line • USD-denominated Presentment & Payment • Special Savings • Regular Savings with • Home Construct Inventory Government and Corporate • Supplier Payments Debit Card • Home Improvement • Financing Floor Stock Securities LOANS • Super Saver • Reimbursement Refinancing Financing Facility Liquidity Management • Teachers’ Salary Loan • Kiddie Savings • Home Equity • Services Account • Micro and Small Business • Family Ties Trade Finance TRUST PRODUCTS • Sweeping Loan • Domestic Letters of Credit • SSS Pensioners Loan Time Deposits Personal Loan • Import Letters of Credit Corporate Solutions Payroll Services • Peso Time Deposit • Other Types of Documentary • Employee Benefit Trust / • Payroll Crediting Services • Long Term Negotiable Credit Cards Credits Retirement Account Fund • Payroll with Human Resource Certificates of Deposit • EastWest Priority Banking • Trust Receipt Facility Management Information System (HRIS) Visa Infinite • Export Bills Purchase Facility • Payroll with Timekeeping Foreign Currency • EastWest Platinum Mastercard Personal Investment • Savings – USD, RMB, EUR, • EastWest Visa Platinum Guarantees • Personal Management Trust Other Services JPY, SGD, GBP, AUD, HKD, • EastWest Dolce Vita • Standby Letters of Credit • Investment Management • Government Payments NZD Titanium Mastercard (SBLC) – Domestic and Account • Emerging Enterprise Lending • Time Deposit - USD, RMB, • EastWest EveryDay Titanium Foreign • Revolving Credit Facility EUR, JPY, SGD, GBP, AUD Mastercard • Bank Guarantees Investment Funds • Trade Check Discounting • EastWest Gold & Classic • Committed Credit Line • EastWest Peso Money • Line Revolving Promissory Prepaid Cards Mastercard Market Fund Note • General Purpose Prepaid Card • EastWest Gold & Classic Visa Bills Purchase • EastWest Peso Short Term • Line Term Loan • Gift Card • EastWest Practical Mastercard • Line Domestic Bills Purchase Fund • Travel Money Card • EastWest Singapore Airlines Line • EastWest Peso Intermediate Electronic Banking Services • Family Ties KrisFlyer Platinum Mastercard • Foreign Bills Purchase Line Term Bond Fund • Automated Teller Machine • EastWest Singapore Airlines Term Financing • EastWest Dollar Intermediate • Cash Acceptance Machine KrisFlyer World Mastercard • Term Loans Term Bond Fund • EastWest Online Personal • Hyundai Mastercard • Project Financing • EastWest Peso Long Term • EastWest Online Corporate • DLSAA Mastercard Bond Fund • EastWest Mobile • EastWest PSEi Tracker Fund • EastWest PhilEquity Feeder Fund

Other Fiduciary Accounts • Escrow Agency • Mortgage Trust Indenture

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Store Network (As of 06 February 2020)

METRO MANILA Alabang - Commerce Ave. Baesa Town Center Binondo Congressional Avenue Eastwood City Spectrum Center, Block 28 Baesa Town Center Retail Store #4 G/F, A. CBK Bldg. Congressional Ave., Brgy. Bahay Toro Unit D, Technoplaza One Bldg. 168 Mall Commerce Ave. cor. Filinvest Ave. 232 Quirino Highway, Baesa, Quezon City 493 Quintin Paredes St., Binondo, Manila Project 8, Quezon City Eastwood City Cyberpark 4/F, Unit 4H 09-11, 168 Mall Bldg. 5 Filinvest City Alabang, Muntinlupa City Tel: (02) 8990-4537 to 39 Tel: (02) 8247-3708; 8247-3615 Tel: (02) 8926-6609; 8926-5934 188 E. Rodriguez Jr. Ave. Soler St., Binondo, Manila Tel: (02) 8524-0875; 8524-0879 Tel: (02) 8247-3652; 8243-7110 Tel: (02) 8426-8587; 8928-6047 Bagumbayan, Quezon City Tel: (02) 8708-4488; 8708-4595 Bagumbayan Tel: (02) 8234-1389; 8234-1392 Tel: (02) 8708-4596 Alabang - Westgate 184-B, E. Rodriguez, Jr. Ave. Blumentritt - Rizal Avenue Cubao - Araneta Center Tel: (02) 8234-1390 Westgate, Filinvest Corporate City Bagumbayan, Libis, Quezon City 2412 Rizal Ave., Sta. Cruz, Manila G/F, Philamlife Bldg., Aurora Blvd. 999 Shopping Mall Alabang, Muntinlupa City, 1770 Tel: (02) 8709-1729; (02) 8709-1730 Tel: (02) 8230-4276; 8230-4366 cor. General Araneta St., Cubao EDSA - Howmart 3/F, Unit 10 & 3C-2 Tel: (02) 8771-0813 to 14; 8771-0816 Tel: (02) 8911-3601 Quezon City 1264 EDSA near cor. Howmart Rd. 999 Shopping Mall 2, C.M. Recto St. Boni Avenue Tel: (02) 8709-7697; 8709-7702 Brgy. A. Samson, Quezon City Tondo, Manila Amorsolo - Queensway Balintawak - A. Bonifacio G/F, Lourdes Bldg. II, 667 Boni Ave. Tel: (02) 8709-7709 Tel: (02) 8990-9588 to 89; 8990-9811 Tel: (02) 8516-7194; 8516-7182 G/F, Queensway Bldg., 118 Amorsolo St. 659 A. Bonifacio Ave. Bgy. PlainView, Mandaluyong City Tel: (02) 8516-2120 Legaspi Village, Makati City Balintawak, Quezon City Tel: (02) 8655-9409; 8655-9412 Cubao - P. Tuazon EDSA - Kalookan Tel: (02) 8511-1933; 8511-7107 Tel: (02) 8442-1802; 8442-1728 Tel: (02) 8654-6106 G/F, Prince John Condominium 490 EDSA, Quezon City A. Bonifacio - Balingasa Tel: (02) 8511-7006 Tel: (02) 8442-1634 291 P. Tuazon Ave. cor. 18th Ave. Tel: (02) 8364-1858 to 60; 8364-1862 G/F, 2/F & 3/F, Units D & E Boni Serrano Avenue Cubao, Quezon City Winston Bldg., 880 A. Bonifacio Ave. Annapolis Banawe - Kaliraya 107 Boni Serrano Ave. Tel: (02) 8913-4730; 8913-5266 EDSA - Muñoz Brgy. Balingasa, Quezon City G/F, The Meriden Condominium Bldg. Titan 168 Bldg., 126 Banawe Brgy. Lipunan ng Crame, Quezon City Tel: (02) 8912-1816 G/F, Lemon Square Bldg. Tel: (02) 8361-0192; 8361-0632 Unit 1A, Annapolis St., North East near cor. Kaliraya Sts., Brgy. Tatalon Tel: (02) 8532-1478; 8532-1475 1199 EDSA Muñoz, Bgry. Katipunan Tel: (02) 8361-0637 Greenhills, San Juan City Quezon City Del Monte Quezon City Tel: (02) 8705-1517; 8722-6830 Tel: (02) 8711-0925; 8521-4749 C. Raymundo Avenue 271 Del Monte cor. Biak na Bato Tel: (02) 8376-5168; 8376-5087 A.Mabini - R. Salas G/F, ITSP Bldg., 172 C. Raymundo Ave. Quezon City Tel: (02) 8441-2354 G/F & 2/F, Jesselton Tower Anonas Banawe - N. Roxas Brgy. Maybunga, Pasig City Tel: (02) 8367-1813; 8367-1822 1453 A. Mabini cor. R. Salas Sts. 94 Anonas St. cor. K-6th 42 Banawe Ave. cor. Nicanor Roxas Tel: (02) 8640-5690; 8640-4206 Tel: (02) 8367-1939 Elcano Brgy. 668, Zone 72, Ermita, Manila East Kamias, Quezon City Quezon City Tel: (02) 8641-0607 G/F, Elcano Plaza Bldg., 622 Elcano St. Tel: (02) 3450-1083; 3450-1257 Tel: (02) 3434-0057; 3434-0058 Tel: (02) 8354-4980; 8354-5978 Del Monte - D. Tuazon Binondo, Manila Tel: (02) 3924-3402 Tel: (02) 8354-5024 Caloocan - A. Mabini 155 Del Monte Ave., Brgy. Manresa Tel: (02) 8242-0254; 8242-0256 Acropolis G/F, Gee Bee Bldg., 428 A. Mabini St. Quezon City Tel: (02) 8242-0259 Unit 1B, G/F, Richmond Centre Bldg. Aurora Blvd. - Anonas Banawe - Sct. Alcaraz Brgy. 15, Zone 2, Caloocan City Tel: (02) 3416-4712; 3416-1627 Lot 46, Block 11, E. Rodriguez Jr. Ave. Rosario Bldg., 999 Aurora Blvd. Unit ABC, G/F, #740 Banawe Ave. Tel: (02) 8294-8403; 8294-8404 Escolta Brgy. Bagumbayan, Acropolis near cor. Lauan and Anonas Sts. near cor. Scout Alcaraz, Quezon City Divisoria Unit 3, G/F, First United Bldg. Quezon City Brgy. Duyan-duyan, Project 3, Quezon City Tel: (02) 8354-5042; 8354-5043 Chino Roces - Bagtikan 802 Ilaya St., Binondo, Manila 413 Escolta cor. Banquero Sts. Tel: (02) 8696-5995; 8696-5997 Tel: (02) 8291-3376; 8294-6402 Tel: (02) 8354-5044 G/F, High Pointe Bldg. Tel: (02) 8244-9972; 8247-4307 Binondo, Manila 1184 Chino Roces Ave. near cor. Bagtikan Tel: (02) 8244-9928 Tel: (02) 8242-4635; 8245-3983 Alabang - Frabelle Ayala Ave. - Herrera Benavidez Brgy. San Antonio, Makati City Tel: (02) 8247-6536 Frabelle Alabang Bldg. G/F, PBCom Tower, 6795 Ayala Ave. Unit 103, One Corporate Plaza Tel: (02) 8478-7783; 8478-7781 Don Antonio Heights 1100 Madrigal Business Park cor. V. Rufino St. (formerly Herrera St.) Benavidez St., Legaspi Village Lot 24, Block 7, Holy Spirit Drive Evangelista Alabang Zapote Rd., Alabang Salcedo Village, Makati City San Lorenzo, Makati City Chino Roces - Dela Rosa Don Antonio Heights, Brgy. Holy Spirit 1806 Evangelista cor. Hen. Mojica Sts. Muntinlupa City Tel: (02) 8784-5642 to 46; 8815-1685 Tel: (02) 8812-0263; 8812-0230 G/F, King’s Court II Bldg. Quezon City Brgy. Bangkal, Makati City Tel: (02) 8850-8483; 8807-4481 Tel: (02) 8812-0019 2129 Don Chino Roces Ave. Tel: (02) 8376-0817; 8376-0820 Tel: (02) 8846-9500; 8846-8516 to 17 Ayala Ave. - Makati Sky Plaza cor. Dela Rosa St., Makati City Tel: (02) 8376-0647 Alabang Entrata G/F, Makati Sky Plaza Bldg. Better Living - Peru Tel: (02) 8864-0632 to 33; 8864-0792 F. Ortigas Jr. Units G3 & G4 6788 Ayala Ave., Makati City Blk 9, Lot 3, Doña Soledad Ave. E. Rodriguez Avenue Unit G103, G/F Entrata Filinvest Corporate City Tel: (02) 8844-1599; 8887-6223 cor. Peru St., BetterLiving, Parañaque City Chino Roces - La Fuerza G/F, MC Rillo Bldg. AIC Gold Tower Condominium Alabang, Muntinlupa City Tel: (02) 8886-7019; 8886-7047 Tel: (02) 8511-1213; 8511-1224 Units 10 & 11, La Fuerza Plaza 1 1168 E. Rodriguez Ave. F. Ortigas, Jr. Rd. cor. Garnet Tel: (02) 8856-0685; 8519-6407 2241 Don Chino Roces Ave., Makati City Brgy. Mariana, Quezon City and Sapphire Sts., Ortigas Center Tel: (02) 8553-4295 Ayala Ave. - Rufino Better Living - Doña Soledad Tel: (02) 8478-9705; 8519-7142 Tel: (02) 8695-3520; 8695-3519 Pasig City G/F, Unit 1, Rufino Bldg., 6784 Ayala Ave. 100 Doña Soledad Ave. Tel: (02) 8695-3521 Tel: (02) 8687-0037; 8687-0039 Alabang Hills cor. V. A. Rufino St., Makati City Betterliving Subd., Brgy. Don Bosco City Place Square Don Gesu Bldg., Don Jesus Blvd. Tel: (02) 8845-0096; 8844-74643 Parañaque City 3/F, C-P2-3, Cityplace Square E. Rodriguez Ave. - Cubao Fairview Brgy. Cupang, Muntinlupa City Tel: (02) 8511-8274 Tel: (02) 8823-4284; 8823-4280 Reina Regente near cor. Felipe II St. 1731 E. Rodriguez Sr. Ave. 72 Commonwealth Ave. cor. Camaro St. Tel: (02) 8551-0983; 8551-0980 Binondo, Manila Brgy. Pinagkaisahan, Cubao, Quezon City East Fairview, Quezon City Ayala Ave. - SGV BF Homes - Aguirre Tel: (02) 7621-1292; 7621-1293 Tel: (02) 8477-0285; 8477-3979 Tel: (02) 3430-5260; 3332-8598 Alabang Madrigal SGV 1 Bldg., 6760 Ayala Ave., Makati City 327 Aguirre Ave., BF Homes Tel: (02) 3709-2583 G/F, CTP Alpha Bldg. Tel: (02) 7621-9811; 7550-2538 Parañaque City Commonwealth E. Rodriguez - Welcome Rotonda Investment Drive, Madrigal Business Park Tel: (02) 7550-2539 Tel: (02) 8808-7066; 8808-4963 G/F, Crissant Plaza Bldg. G/F, AEK Bldg., 40 E. Rodriguez Sr. Ave. Festival Mall - Expansion Wing Ayala Alabang, Muntinlupa City 272 Commonwealth Ave. Brgy. Don Manuel, Quezon City Space No. 2219.1 Tel: (02) 8850-8092; Baclaran Bicutan - East Service Rd. Brgy. Old Balara, Quezon City Tel: (02) 8255-3865; 8255-3997 FSM Expansion Mall Inc., FCC Tel: (02) 8850-8094 to 95 2/F, New Galleria Baclaran Shopping Mall G/F, Waltermart Bicutan Tel: (02) 8355-7736; 8355-7596 Alabang-Zapote Rd., Muntinlupa City LRT South Terminal, Taft Ave. Ext. East Service Rd. cor. Mañalac Ave. Tel: (02) 8838-2260; 8845-2649 Pasay City Brgy. San Martin de Porres Tel: (02) 8851-3429; 8851-3488 Parañaque City Tel: (02) 8851-3584 Tel: (02) 8556-2690

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Store Network (As of 06 February 2020)

Festival Mall Level 1 Grace Park - 3rd Avenue J.P. Rizal Lagro Makati Ave. - Juno Marikina - Parang X-cite Area, Level 1, Festival Supermall 215 Rizal Ave. Ext., Brgy. 45 805 J.P. Rizal cor. F. Zobel St. Lot 2-B-6 Quirino Highway Unit No. 2, A and W Bldg., 1 Juno St. JNJ Bldg., 108 BG Molina St. Filinvest Corp. City, Alabang Grace Park West, Caloocan City San Miguel Village, Makati City Lagro, Novaliches, Quezon City cor. Makati Ave., Brgy. Bel-air Parang, Marikina Muntinlupa City, 1781 Tel: (02) 5310-5081; 5310-3394 Tel: (02) 8511-0789; 8511-0791 to 92 Tel: (02) 8709-1997; 8352-4948 Makati City Tel: (02) 7625-5541; 7625-6230 Tel: (02) 8842-5981 Tel: (02) 8352-6151 Tel: (02) 8880-0529; 8880-0526 Grace Park - 7th Avenue Jose Abad Santos - Tayuman Masambong Festival Mall Level 2 G/F, Units 1,2, & 3, 330 Rizal Ave. G/F & 2/F, Cada Bldg., 1200 Tayuman St. Las Piñas - Almanza Malabon - Gov. Pascual L.G. Atkimson Bldg., 627 Del Monte Ave. 2/F, Unit 2115-2118, Festival Supermall Ext. near cor. 7th Ave., East Grace Park cor. Jose Abad Santos Ave., Tondo, Manila Aurora Arcade Bldg., Alabang Zapote Gov. Pascual Ave. cor. Maria Clara St. Brgy. Masambong, Quezon City Filinvest Corporate City, Alabang Caloocan City Tel: (02) 8230-2339; 8230-2342 Road, Almanza Uno, Las Piñas City Acacia, Malabon City Tel: (02) 8709-7701; 8376-6108 Muntinlupa City Tel: (02) 8709-5560; 8709-5548 Tel: (02) 8230-2336 Tel: (02) 8551-0597; 8551-0612 Tel: (02) 8351-7619; 8332-9441 Tel: (02) 8376-6952 Tel: (02) 8850-3722 to 23 Tel: (02) 8332-9606 Grace Park - 8th Avenue Juan Luna - Binondo Las Piñas - BF Resort Masangkay G. Araneta Avenue 896 8th Ave. cor. J. Teodoro 580 Juan Luna St., Binondo, Manila B.F. Resort Drive, Phase IV Malabon - Potrero 1411-1413 Masangkay St., Tondo, Manila Units A & B, Ilo Bldg., 195 G. Araneta Ave. Grace Park, Caloocan City Tel: (02) 8523-0275; 8523-0282 BF Resort Village, Las Piñas City Units 1 & 2, Mary Grace Bldg. Tel: (02) 8230-2363; 8230-2364 Brgy. Santol, Quezon City Tel: (02) 8361-7545; 8361-8856 Tel: (02) 8822-2802; 8822-2699 142 MacArthur Highway Tel: (02) 8230-2332 Tel: (02) 8715-4580; 8715-9671 Tel: (02) 8364-9576 Juan Luna - Pritil Potrero, Malabon G/F, 1953-1955 Juan Luna St. Las Piñas - J. Aguilar Avenue Tel: (02) 8352-5490; 8352-7682 Mayon General Luis - Kaybiga Greenhills Shopping Center Tondo, Manila J. Aguilar Ave. cor. Casimiro Drive Tel: (02) 8442-7583 170 Mayon Ave., Quezon City 4 Gen. Luis St., Brgy. Kaybiga Units G-102B, Greenlanes Arcade Tel: (02) 8230-2143; 8230-2217 Brgy. BF International, Las Piñas City Tel: (02) 8354-4695; 8354-4717 to 18 Caloocan City Greenhills Shopping Center Tel: (02) 8354-4969 Metro Manila Malabon - Rizal Avenue Tel: (02) 8922-5346; 8921-8167 San Juan City Tel: (02) 8478-7276; 8478-7361 726 Rizal Ave., Brgy. Tanong Mayon - Dapitan Tel: (02) 8721-8292; 8721-4886; Julia Vargas Malabon City 181 Mayon St. near cor. Dapitan St. Gil Puyat - Dian Tel: (02) 8721-3674 G/F, Unit 101 Las Piñas - Marcos Alvarez Tel: (02) 8441-5267; 8441-4446 Brgy. Sta. Teresita, Quezon City G/F, Wisma Cyberhub Bldg. One Corporate Centre Office Condominium 575 Marcos Alvarez Ave. Tel: (02) 8441-4738 Tel: (02) 8230-4750; 8230-4751 45 Sen. Gil Puyat Ave., Makati City Greenhills - Connecticut Doña Julia Vargas Ave. cor. Meralco Ave. Talon V, Las Piñas Tel: (02) 8845-0493; 8845-0487 Unit B, G/F, Fox Square Bldg. Ortigas Center, Pasig City Tel: (02) 8550-2163; 8550-2165 Mandaluyong - Wack-Wack Metropolitan Avenue Tel: (02) 8845-0479 53 Connecticut St., Northeast Greenhills Tel: (02) 8655-1597; 8655-3339 G/F, Unit JI-E, Jovan Condominium Savana Bldg. 3, Metropolitan Ave. San Juan City Tel: (02) 8655-1312 Las Piñas - Pamplona Shaw Blvd. cor. Samat St. cor. Venezia St., Brgy. Sta Cruz Gil Puyat - F.B. Harrison Tel: (02) 8705-1413; 8705-1428; Lot 16B PSD 208390 Mandaluyong City Makati City 131 Gil Puyat Ave. Ext. Tel: (02) 8721-2100 Jupiter - Paseo de Roxas Alabang-Zapote Rd., Las Piñas City Tel: (02) 8570-4017; 8570-4031 Tel: (02) 8556-8947; 8556-8948 Brgy 24, Zone 4, Pasay City 30 Jupiter cor. Paseo de Roxas Sts. Tel: (02) 8872-4883; 8873-5090 Tel: (02) 8831-7636; 8831-7637 Greenhills - North Brgy. Bel-Air, Makati City Mandaluyong - Libertad MIA Road G/F, BTTC Bldg., Ortigas Ave. Tel: (02) 8823-1989; 8823-1952 Legaspi - Aguirre G/F, Units A, B & C, Dr. Aguilar Bldg. Salud-Dizon Bldg. 1, 5 MIA Road Gil Puyat - Metro House cor. Roosevelt St., Greenhills G/F, Unit 1-B, The Biltmore 46 D.M. Guevarra cor. Esteban Sts. Tambo, Parañaque City G/F, Metro House Bldg. San Juan City Kalayaan - Matalino 102 Aguirre St., Legaspi Village Highway Hills, Mandaluyong City Tel: (02) 8808-1825; 8556-9266 345 Sen. Gil Puyat Ave., Makati City Tel: (02) 8477-3741; 8477-3499; 123 Kalayaan Ave. near cor. Matalino St. Makati City Tel: (02) 8534-5507; 8535-3091 Tel: (02) 8890-8102; 8890-8625 Tel: (02) 8477-3365 Brgy. Central, Diliman, Quezon City Tel: (02) 8807-1593; 8807-1539 Tel: (02) 8534-7617 Muntinlupa Tel: (02) 8890-8591; 8890-8323; Tel: (02) 8293-9601; 8293-9495 G/F, Remenes Center Bldg. Tel: (02) 8890-8420 Greenhills - Promenade Legaspi - Dela Rosa Mandaluyong - Shaw Blvd. 22 National Highway, Putatan Unit 3, G/F & 2/F, Promenade Bldg. Kalentong G/F, I - Care Bldg., 167 Legaspi G/F, Unit No. 7 Muntinlupa City Gil Puyat - Pacific Star Missouri St., Greenhills, San Juan City 908 Gen. Kalentong St. cor. Dela Rosa Sts., Legaspi Village Sunshine Square Liberty Center Tel: (02) 8846-9311; 8659-1008 G/F, Pacific Star Bldg. Tel: (02) 8571-7737; 8571-5985 Mandaluyong City Makati City Shaw Blvd., Mandaluyong City Sen Gil Puyat Ave., Makati City Tel: (02) 8534-0669; 8534-0667 Tel: (02) 8844-5810; 8845-0006 Tel: (02) 8534-3942; 8534-7958 Navotas - M. Naval Tel: (02) 8403-3368; 8403-7657 Greenhills - West 895 M. Naval St., Brgy. Sipac-Almasen G/F, ALCCO Bldg., Ortigas Ave. Kamias Legaspi - Rufino Marikina - Concepcion Navotas City Gil Puyat - Salcedo Village Greenhills-West, San Juan City 10 Kamias Rd. cor. Col Salgado St. G/F, Libran Bldg., Legaspi St. Bayan-Bayanan Ave., Concepcion Tel: (02) 8355-4148; 8283-9403 G/F, Unit 1C, Country Space 1 Bldg. Tel: (02) 8721-9605; 8727-7629 Brgy. West, Kamias, Quezon City cor. V.A. Rufino Ave., Legaspi Village Marikina City Tel: (02) 8283-9536 Gil Puyat Ave., Makati City Tel: (02) 8376-2979; 8376-6136 Makati City Tel: (02) 7625-2092 Tel: (02) 8823-2685; 8823-5220 H.V. Dela Costa Tel: (02) 8961-8088 Tel: (02) 8519-7398; 8519-8125 Navotas - North Bay Unit GFC-2, Classica 1 Tel: (02) 8519-1785 Marikina - Gil Fernando G/F, Unit 2, Melandria III Bldg. Gil Puyat - Washington 112 H.V. Dela Costa St. Kamuning Gil Fernando Ave. cor. Estrador St. 1090 Northbay Blvd., Navotas City 100 Sen. Gil Puyat Ave. Salcedo Village, Makati City JPY Bldg., 52 Kamuning Rd. Leviste Midtown Phase 1, San Roque Tel: (02) 8922-0812; 8922-1173 cor. Washington St. Brgy. Pio Del Pilar Tel: (02) 8550-2289; 8550-2268 Brgy Kamuning, Quezon City Unit Ground B, LPL Mansions Bldg. Marikina City Tel: (02) 8922-1163 Makati City Tel: (02) 8550-2261 Tel: (02) 3412-0573; 3448-7080 122 L.P. Leviste St., Salcedo Village Tel: (02) 8681-7143; 8681-7384 Tel: (02) 8864-0632; 8864-0633; Makati City New Manila Tel: (02) 8575-3888 loc. 8396 Intramuros Katipunan - St. Ignatius Tel: (02) 8828-9858; 8828-9897 Marikina - J.P. Rizal G/F, AAP Bldg., 683 Aurora Blvd. Tel: (02) 8864-0792 G/F, BF Condominium, 104 A. Soriano Ave. 132 Katipunan Ave. 367 J.P. Rizal St., Sta. Elena New Manila, Quezon City cor. Solana St., Intramuros, Manila St. Ignatius Village, Quezon City Loyola Heights - Katipunan Marikina City Tel: (02) 8722-6239; 8725-1700 Grace Park - 11th Avenue Tel: (02) 8527-2631; 8527-2627 Tel: (02) 8913-2370; 8913-2398 Unit 13, Elizabeth Hall Bldg. Tel: (02) 8645-2890; 8645-0655 Tel: (02) 8725-7340; 8726-3202 G/F, Remcor V Bldg., Block 172, Lot 5 Tel: (02) 8527-2604 Lot 1 Blk. 41, Katipunan Avenue Tel: (02) 8645-7241 Rizal Ave. Ext., Caloocan City Loyola Heights, Quezon City Tel: (02) 8376-5825; 8361-0107 Tel: (02) 8426-0420; 8426-0403 Tel: (02) 8376-5562 Tel: (02) 8426-0361

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Store Network (As of 06 February 2020)

North EDSA Padre Faura Pasig - Shaw Boulevard Quezon Ave. - Dr. Garcia San Juan Taft Avenue UGF, Units 4, 5, 6 & 7 G/F, Units A-D, Metrosquare Bldg. 2 Units A & B, Karina Bldg., 33 Shaw Blvd. G/F, Kayumanggi Press Bldg. EastWest Bank Bldg., F. Blumentritt Philippine Academy of Family Physicians EDSA Grand Residences, EDSA 1241 M.H. Del Pilar cor. Padre Faura Sts. Brgy. San Antonio, Dist. 1, Pasig City 940 Quezon Ave. near cor. Dr. Garcia St. cor. M. Salvador, Brgy. San Perfecto (PAFP) Bldg., 2244 Taft Ave., Manila cor. Corregidor St., Quezon City Ermita, Manila Tel: (02) 8570-9356; 8401-3740 Brgy. Paligsahan, Quezon City San Juan City Tel: (02) 8708-5241; 8708-5973 Tel: (02) 8376-1176; 8376-3059 Tel: (02) 8404-0536; 8404-0537 Tel: (02) 8709-7805; 8709-7807 to 08 Tel: (02) 8723-8991; 8725-5442; Tel: (02) 8708-5902 Tel: (02) 8376-2832 Pasig - Valle Verde Tel: (02) 8727-8522 Pasay - D. Macapagal Boulevard 102 E. Rodriguez, Jr. Ave. Quezon Ave. - Scout Albano Taft - Nakpil Novaliches - Gulod G/F, The Biopolis, Macapagal Blvd. Ugong, Pasig City Quezon Ave. near cor. Scout Albano San Lorenzo - A. Arnaiz RLR Bldg., 1820 Taft Ave. Lot 489-B2, Quirino Highway Pasay City Tel: (02) 8695-3345; 8655-3337 Brgy. South Triangle, Quezon City The E-Hotels Makati Bldg. near cor. Nakpil St., Malate, Manila Brgy. Gulod, Novaliches, Quezon City Tel: (02) 8511-8351 to 53 Tel: (02) 8640-0033 Tel: (02) 8352-8100; 8352-8163 906 A. Arnaiz Ave. (formerly Pasay Rd.) Tel: (02) 8525-0495; 8525-0428 Tel: (02) 8355-2741; 8355-2630 Tel: (02) 8352-8160 San Lorenzo Village, Makati City Tel: (02) 8355-2700 Pasay - Libertad Paso De Blas Tel: (02) 8812-0211; 8845-0295 Tandang Sora Unit 265-E, Nemar Bldg. 191 Paso de Blas, Valenzuela City Quezon Ave. - Scout Santiago Tel: (02) 8845-0263; 8845-0295 Lot 80 - A Kalaw Hills Subd. Novaliches - Talipapa Libertad St., Pasay City Tel: (02) 8332-2246; 8332-2061 Units 2G-7 and 2G-8 Brgy. Culiat, Tandang Sora, Quezon City G/F, Units C, D, E, F & G Tel: (02) 8550-2427; 8550-1328 Tel: (02) 8332-2620 Sunshine Blvd. Plaza, 1328 Quezon Ave. San Miguel Avenue Tel: (02) 8951-2550; 8951-0813; 526 Quirino Highway, Brgy. Talipapa cor. Scout Santiago St. G/F, Medical Plaza Bldg., San Miguel Ave. Tel: (02) 8456-6989 Novaliches, Quezon City Pasay - Oceanaire Pasong Tamo Extension Brgy. South Triangle, Quezon City Ortigas Center, Pasig City Tel: (02) 8332-3592; 8709-6909 G/F, Units. 108 & 109 G/F, Dacon Bldg., 2281 Pasong Tamo Ext. Tel: (02) 8372-8214 to 15 Tel: (02) 8637-5121; 8637-5649 Tektite Podium Commercial Area Makati City Tel: (02) 8637-5251 G/F, East Tower, PSE Center Ongpin Oceanaire Condominium Tel: (02) 8892-2825; 8867-2756 Quiapo Exchange Drive, Ortigas Center, Pasig City G/F, Unit G1 Sunrise Drive cor. Rd. 23 Tel: (02) 8575-3888 loc. 8324; E & L Haw Dynasty Bldg. Soler Tel: (02) 8667-3211; 8637-4164; Strata Gold Condominium Bldg. SM Mall of Asia Complex, Pasay City Tel: (02) 8867-2755 502 Evangelista cor. P. Paterno Sts. G/F, R & S Tower, 941 Soler St. Tel: (02) 8575-3888 loc. 8349; 738 Ongpin St., Binondo, Manila Tel: (02) 8886-9014; 8886-8809 Quiapo, Manila Binondo, Manila Tel: (02) 8637-4165 Tel: (02) 8353-4414; 8241-0451 Pateros Tel: (02) 8353-0052; 8353-0053 Tel: (02) 8244-0169; 8243-5872 Paseo de Magallanes M. Almeda cor. G. De Borja Sts. Tel: (02) 8353-0037 Tel: (02) 8243-6406 The Fort - Active Fun Ortigas - Orient Square G/F, Unit 102, Tritan Plaza Bldg. San Roque, Pateros G/F, Active Fun Bldg., 9th Ave. G/F, Orient Square Bldg., Emerald Ave. San Antonio St., Paseo de Magallanes Tel: (02) 8941-5366 Rada Sto. Cristo cor. 28th St., City Center Ortigas Center, Pasig City Makati City G/F, Unit No. 102 Unit 108, Sto. Cristo Condominium Bonifacio Global City, Taguig City Tel: (02) 7910-5621 Tel: (02) 8478-4856 to 58; Paz M. Guazon La Maision Rada Condominium Bldg. Sto Cristo cor. Ilang-Ilang Sts. Tel: (02) 8856-7490; 8856-7423 Units 5 & 6, Topmark Bldg. Rada St., Legaspi Village, Makati City San Nicolas, Binondo, Manila Ortigas - ADB Avenue Paseo de Roxas - Legaspi 1763 Paz M. Guazon St., Paco, Manila Tel: (02) 8804-2865; 8804-2866 Tel: (02) 8247-7110; 8247-7112 The Fort - B3 Bonifacio High Street G/F, Units G1 & G2, ADB Avenue Tower G/F, 111 Paseo de Roxas Bldg. Tel: 516-2263 / 562-0206 Tel: (02) 8804-2869 G/F, Quadrant 3 Wumaco Bldg. 2 ADB Ave., Ortigas Center, Pasig City 111 Paseo de Roxas cor. Legaspi Sts. Sucat - Evacom 7th Ave. B3, Bonifacio High St. Tel: (02) 8532-0292; 8532-0313 Legaspi Village, Makati City Pedro Gil Regalado 8208 Dr. A. Santos Ave. Bonifacio Global City, Taguig Tel: (02) 8840-5442 574 Pedro Gil St., Malate, Manila Regalado Ave. cor. Archer St. Brgy. San Isidro, Parañaque City Tel: (02) 8403- 7132; 8403-7130 Ortigas - Emerald Tel: (02) 8256-2018; 8256-2019 North Fairview Subd., Quezon City Tel: (02) 8822-4249; 8822-7217 G/F, Unit 103, Hanston Bldg. Paseo - Philam Tower Tel: (02) 8939-5459; 8417-2822 The Fort - Beaufort Don F. Ortigas Jr. Road G/F, Philamlife Tower Perea Sucat - Kabihasnan G/F, The Beaufort, 5th Ave. cor. 23rd St. Ortigas Center, Pasig City 8767 Paseo de Roxas St., Makati City G/F, Greenbelt Mansion, 106 Perea St. Roosevelt - Frisco G/F, Unit 3 & 4 Bonifacio Global City, Taguig City Tel: (02) 8477-4975; 8477-5371 Tel: (02) 8884-8810; Legaspi Village, Makati City 184 Roosevelt Ave. Perry Logistics Center Bldg. Tel: (02) 8808-2236; 8575-3895; Tel: (02) 8477-5368 Tel: (02) 8511-0317; 8511-0998 San Francisco del Monte, Quezon City Ninoy Aquino Ave., Parañaque City Tel: (02) 8575-3896; 8575-3882 Pasig Boulevard Tel: (02) 3411-8035; 3372-9480 Tel: (02) 8553-5064; 8553-5400 Ortigas - Garnet cor. Pasig Blvd. and Lakeview Drive Pioneer Tel: (02) 3372-1090 The Fort - BGC Corporate Center Unit 102, Prestige Tower, Emerald Ave. Brgy. Bagong Ilog, Pasig City UG-09, Pioneer Pointe Condominium Sucat - Kingsland G/F, Unit 2, BGC Corporate Center Ortigas Center, Pasig City Tel: (02) 8661-8790; 8661-8785 to 86 Pioneer St., Highway Hills Roosevelt - Sto. Niño G/F and 2/F, No. 5 & 6, Kingsland Bldg. 3030 11th Ave. cor. 30th St., City Center Tel: (02) 8631-0079; 8631-0135 Mandaluyong City 282 Roosevelt Ave., Brgy. Sto. Niño Dr. A. Santos Ave., Sucat, Parañaque City Bonifacio Global City, Taguig City Tel: (02) 8234-1272 Pasig Rosario Tel: (02) 8584-3515; 8584-3392 San Francisco del Monte, Quezon City Tel: (02) 8553-5108; 8553-5110 Tel: (02) 8800-8671; 8800-8546 Unit 3, 1866 Ortigas Ave., Ext. Tel: (02) 8922-1723; 8709-1354 Ortigas - Rockwell Rosario, Pasig City President’s Avenue Sucat - NAIA The Fort - Burgos Circle Unit No. W-01, Tower 1 Tel: (02) 8628-4390; 8628-4300 35 President’s Ave., BF Homes Roxas Boulevard Unit 707-6, Columbia Air Freight Complex G/F, Units H & I, Crescent Park Residences The Rockwell Business Center Tel: (02) 8234-1992 Parañaque City G/F, DENR Bldg., 1515 Roxas Blvd. Miescor Drive, Ninoy Aquino Ave. 30th St. cor. 2nd Ave., Bonifacio Global City Ortigas Ave., Pasig City Tel: (02) 8807-5549 Ermita, Manila Brgy. Sto. Niño Parañaque City Taguig City Tel: (02) 8633-6909; 8633-6766 Pasig - Kapasigan Tel: (02) 8525-3605; 8526-0533 Tel: (02) 8852-2949; 8852-2846 Tel: (02) 8478-5481; 8478-5482; A. Mabini cor. Blumentrit Sts. Project 8 - Shorthorn Tel: (02) 8478-5483 P. Ocampo Avenue Brgy. Kapasigan, Pasig City G/F, West Star Business Center Bldg. Salcedo T. Alonzo 245 P. Ocampo Ave. cor. Flordeliz St. Tel: (02) 8642-8559; 8643-8729 31 Shorthorn St., Brgy. Bahay Toro G/F, First Life Center, 174 Salcedo St. 623 T. Alonzo St., Brgy. 300 The Fort - F1 Center Brgy. La Paz, Makati City Tel: (02 )8575-3200 loc. 8308 Project 8, Quezon City Legaspi Village, Makati City Zone 029, Sta. Cruz, Manila G/F, Unit D, F1 City Center, 32nd St. Tel: (02) 8887-2321 Tel: (02) 8952-4526; 8332-4339 Tel: (02) 8815-8747; 8815-8810 Tel: (02) 8733-7627; 8733-7645 near cor. 5th Ave., Bonifacio Global City Pasig - Santolan Tel: (02) 8815-8490; 8815-8669 Tel: (02) 8733-9387 Taguig City Paco G/F, Santolan Bldg. Quezon Ave. - Banawe Tel: (02) 8478-3834; 8478-4326; 1050 Pedro Gil St., Paco, Manila 344 A. Rodriguez Ave. Santolan G/F, PPSTA 1 Bldg., Quezon Ave. Sampaloc - J. Figueras T.M. Kalaw Tel: (02) 8575-3888 loc. 8268; Tel: (02) 8527-3609; 8527-3298 Pasig City cor. Banawe St., Quezon City 427-433 J. Figueras St. A-1,2,3 & 4 Ditz Bldg. Tel: (02) 8478-5213; Tel: (02) 8654-0196; 8654-0246 Tel: (02) 8743-4715; 8412-1681 Sampaloc, Manila 444 T.M. Kalaw St., Ermita, Manila Tel: (02) 8646-0951 Tel: (02) 8735-0082; 8735-0083 Tel: (02) 8353-9756; 8353-9739

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Store Network (As of 06 February 2020)

The Fort - Marajo Tower Valenzuela - Dalandanan LUZON Batangas City Bulacan - Plaridel Cavite - Tanza G/F, The Marajo Tower, 26th St. Malanday Machinery’s Commercial Bldg. 54-A D. Silang cor. Pastor Sts. Lot 1071- A, Daang Maharlika Rd. Antero Soriano Highway, Daang Amaya 2 th cor. 4 Ave., Fort Bonifacio Global City 212 KM. 15 McArthur Highway Angeles - Balibago Brgy. 14 Poblacion, Batangas City (Prev. Cagayan Valley Rd.), Banga First Tanza, Cavite Taguig City Brgy. Dalandanan, Valenzuela City Saver’s Mall Bldg., MacArthur Highway Tel: (043) 723-7665; 300-6143 Plaridel, Bulacan Tel: (046) 431-2097; 431-2378 Tel: (02) 8856-0201; 8856-2722; Tel: (02) 8277-0276; 8277-0246; Balibago, Angeles City Tel: (044) 794-9947; 794-1140 Tel: (02) 8856-4275 Tel: (02) 8277-0251 Tel: (045) 458-0613 Batangas City - Pallocan Tel: (044) 794-3500 Cavite - Trece Martires Units 6, 7, & 8, Mayvel Center Bldg. G/F, Dionets Commercial Place Bldg. The Fort - PSE Tower Valenzuela - Gen. T. De Leon Antipolo - Marcos Hi-way Manuela Pastor Ave., Brgy. Pallocan West Bulacan - San Jose Del Monte Trece Martires-Indang Rd. 5/F, One Bonifacio High St. G/F, Units 4 & 5, Liu Shuang Yu Bldg. Ciannat Complex, Marcos Highway Batangas City Dalisay Resort, Gov. F. Halili Ave. Brgy. San Agustin, Trece Martires City Philippine Stock Exchange Tower 3026 Gen. T. De Leon St. Brgy. Mayamot, Antipolo City Tel: (043) 740-6559; 740-6560 Tungkong Mangga, San Jose del Monte Cavite City th (One BHS – PSE Tower), 5 Ave. Brgy. Gen. T. De Leon, Valenzuela City Tel: (02) 8682-2250; 8682-2251 Bulacan Tel: (046) 514-0071 cor. 28th St., Bonifacio Global City Tel: (02) 3440-5635; 3456-7921 Batangas - Balayan Tel: (044) 815-6128 Taguig City Antipolo - ML Quezon cor. Paz and Union Sts., Poblacion Dagupan - A.B. Fernandez Tel: (02) 8851-4649; 8851-4723 Valenzuela - Marulas 146 M.L. Quezon Ave. cor. F. Dimanlig St. Balayan, Batangas Cabanatuan - Maharlika New Star Bldg., A.B Fernandez JLB Enterprises Bldg., KM. 12 San Roque, Antipolo City Tel: (043)740-3618; 740-3619 Maharlika Highway, Brgy. Dicarma Avenue, Dagupan City The Fort - South of Market McArthur Highway, Marulas Tel: (02) 8661-9677; 8661-9676 Tel: (044) 464-1634; 464-1635 Tel: (075) 529-1903; 529-1920 G/F, Units 25 & 26, North Tower Valenzuela City Batangas - Bauan Tel: (075) 529-2162 th South of Market (SOMA) Bldg., 26 St. Tel: (02) 8445-0670; 8291-8961; Bacoor - Aguinaldo Hi-way J.P. Rizal cor. San Agustin Sts. Cabanatuan - Melencio th cor. 11 Ave., Bonifacio Global City Tel: (02) 8291-0053 General E. Aguinaldo Highway Bauan, Batangas Melencio cor. Gen. Luna Sts. Dagupan - Perez Taguig City Talaba, Bacoor City, Cavite Tel: (043) 702-4970 to 71; Cabanatuan City Lot 194 D1-A & Lot 194 D1-B Tel: (02) 551-4072 / 831-6759 Valero Tel: (046) 417-0482; 417-0395 Tel: (044) 464-1634; 464-1635 Brgy. Pogo Chico, Perez Blvd. G/F, Retail 1B, Paseo Park View Tower 1 Batangas - Lemery Dagupan City Timog Avenue 140 Valero St., Salcedo Village Bacoor - Molino G/F, LDMC Bldg., Ilustre Ave. Calamba Tel: (075) 522-2284; 522-9221 G/F, Timog Arcade, Timog Ave. Makati City G/F, Units 101, 102 & 103 Brgy. Rizal, Lemery, Batangas G/F, SQA Bldg., Brgy. Uno, Crossing cor. Sct. Torillo, Quezon City Tel: (02) 7751-0002 to 03; 7817-3733 VCENTRAL Mall Molino Bldg. Tel: (043) 740-2602; 409-3009 Calamba City, Laguna Dasmariñas Tel: (02) 8376-7884; 8376-7886 Molino Blvd., Bacoor City, Cavite Tel: (049) 545-9018 KM. 31, Gen. Emilio Aguinaldo Highway Visayas Avenue Tel: (046) 424-2518; 424-2037 Batangas - Nasugbu Brgy. Zone 4, Dasmariñas City, Cavite Timog - Mother Ignacia G/F, K.L. Group Bldg., Units B, C, & D J.P. Laurel St., Poblacion Calamba - National Road Tel: (046) 424-1454; 424-1589 21 Timog Ave., Brgy. South Triangle 15 Visayas Ave., Brgy. Vasra, Quezon City Baguio - Legarda Nasugbu, Batangas 1425 National Rd., Brgy. Uno Quezon City Tel: (02) 8441-6604; 8441-6621 G/F, Lindi Hotel, 12 Legarda Rd. Tel: (043) 740-1103 Crossing, Calamba, Laguna General Trias Tel: (02) 8374-3619; 8374-2358 Baguio City Tel: (049) 508-7466 to 77 G/F, Unit 102, VCentral Gentri Bldg. West Avenue Tel: (075) 442-5288; 442-4404 Batangas - Rosario Governor’s Drive, Manggahan Tomas Mapua - Lope de Vega 108 West Ave. cor. West Lawin St. Rosario-Padre Garcia-Lipa Rd. Candelaria General Trias, Cavite G/F & 2/F, Valqua Bldg. West Triangle, Quezon City Baguio City - Session Road Poblacion Rosario, Batangas National Highway cor. Ona St. Tel: (046) 476-0596; 476-0598 1003 Tomas Mapua cor. Lope de Vega Sts. Tel: (02) 8928-5920; 8927-1185 Unit B, 101 Lopez Bldg., Session Rd. Tel: (043) 740-2554; 417-1349 Brgy. Poblacion, Candelaria, Quezon Sta. Cruz, Manila Tel: (02) 8927-1597 Baguio City Tel: (042) 717-5528; 717-5529 Ilocos Norte - San Nicolas Tel: (02) 8711-0423; 8711-0412 Tel: (074) 424-8507; 424-8524 Batangas - Sto. Tomas Brgy. 2, San Nicolas, Ilocos Norte Tel: (02) 8711-0411 West Service Road Tel: (074) 442-3339 KM 67 Maharlika Highway, Poblacion Carmona Tel: (077) 670-6465; 677-1084 West Service Rd. cor. Sampaguita Ave. Sto. Tomas, Batangas Lot 1947-B, Paseo de Carmona Cmpd. Tomas Morato UPS IV Subd., Parañaque City Baguio - Rizal Monument Tel: (043) 702-8636 Governor’s Drive, Brgy. Maduya Ilocos Sur - Candon 257 Tomas Morato St. Tel: (02) 8822-3910 to 11 One VF Tower, Benjamin Salvosa Drive Carmona, Cavite G/F, KAMSU Bldg., Brgy San Jose near cor. Sct. Fuentabella, Quezon City Brgy. Rizal Monument, Baguio City Batangas - Tanauan Tel: (046) 482-0410; 482-0411 Candon City, Ilocos Sur Tel: (02) 8929-5313; 8928-6286 Wilson Tel: (074) 448-0513 to 0514 98 J.P. Laurel Highway Tel: (077) 674-0253; 674-0255 Tel: (02) 8928-2163 220–B Wilson St., San Juan City Brgy. Darasa, Tanauan City Cavite - Rosario Tel: (077) 674-0214 Tel: (02) 8696-7366; 8661-9330; Baliuag Tel: (043) 702-4939; 702-3943 Lot 616 F1, Gen. Trias Drive Tordesillas Tel: (02) 8696-7365 Doña Remedios Trinidad Highway Tejeros Convention, Rosario, Cavite Imus Unit 105, Le Metropole Condominium cor. Benigno S. Aquino Ave. Benguet - La Trinidad Tel: (046) 435-1107 G/F, LDB Bldg. H.V. Dela Costa cor. and Tordesillas Sts. Xavierville Baliuag, Bulacan KM 5, Central Pico, La Trinidad, Benguet 552 Gen. Aguinaldo Highway & Sen. Gil Puyat Ave., Salcedo Village 60 Xavierville Ave., Xavierville Subd. Tel: (044) 766-4878; 766-5308 Tel: (074) 422-1544; 422-1629 Cavite City Imus City, Cavite Makati City Brgy. Loyola Heights, Quezon City P. Burgos Ave., Brgy. Caridad Tel: (046) 471-5188 Tel: (02) 8828-8407; 8828-8586 Tel: (02) 8364-5379; 8363-9498 Bataan - Balanga Bulacan - Sta. Maria Cavite City Don Manuel Banzon Ave. 115 M. De Leon St., Brgy., Poblacion Tel: (046) 431-0510 Isabela - Roxas UN Avenue Ylaya - Padre Rada cor. Cuaderno St., Doña Fransica Sta. Maria, Bulacan Maharlika Highway, Brgy. Bantug MAGCOOP Bldg., UN Ave. G/F, Josefa Bldg., 981 Ylaya Balanga City, Bataan Tel: (044) 769-2426; 769-2499 Cavite - Naic Roxas, Isabela near cor. A. Mabini Sts., Ermita, Manila cor. Padre Rada Sts., Tondo, Manila Tel: (047) 237-0350 to 51 Ibayo Silangan cor. Sabang Rd. Tel: (078) 624-0450; 624-0449 Tel: (02) 8354-5082; 8524-7753 Tel: (02) 8243-9006; 8243-9005 Bulacan - Balagtas Naic, Cavite City st Bataan - Dinalupihan Burol 1 , McArthur Highway Tel: (046) 412-0144; 412-0146 Isabela - Cauayan UP Village Bgy. San Ramon, Dinalupihan, Bataan Balagtas, Bulacan Maharlika Highway, Cauayan City, Isabela 65 Maginhawa St., U.P. Village Tel: (047) 636-0040 Tel: (044) 308-2072 Cavite - Silang Tel: (078) 652-3945; 652-3946 Diliman, Quezon City 132 J. P Rizal cor. E. Montoya Sts. Tel: (02) 3433-8625; 3376-0215 Bataan - Mariveles Brgy. San Vicente I, Silang, Cavite Tel: (02) 3376-1452 8th Ave., Freeport Area of Bataan (FAB) Tel: (046) 413-2600; 683-3218 Mariveles, Bataan Tel: (046) 512-4317 Tel: (047) 633-1782; 633-1783

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Store Network (As of 06 February 2020)

Isabela - Ilagan Malolos Pampanga - Apalit San Pablo Taytay - Ortigas Extension Boracay Maharlika Highway G/F, BUFECO Bldg., No. 1197 Brgy. San Vicente, Apalit, Pampanga Lots 2365 & 3152, J.P. Rizal Ave. Vallley Fair Town Center, Ortigas Ave. Alexandrea Bdlg., Main Rd. cor. Florencio Apostol St. Brgy. Sumapang Matanda Tel: (045) 652-0037 Poblacion, San Pablo City, Laguna Extension, Taytay, Rizal Brgy. Balabag, Boracay Island Calamagui 1, Ilagan, Isabela MacArthur Highway, Malolos, Bulacan Tel: (049) 503-2834 to 36 Tel: (02) 8660-9227; 8660-1828 Malay, Aklan Tel: (078) 624-0193; 624-0098 Tel: (044) 794-4534 Pampanga - Clark Tel: (02) 8660-1826 Tel: (036) 288-2677; 288-2688 Pavilion 16, Berthaphil Clark Center San Pedro Isabela - Santiago Meycauayan - Malhacan Jose Abad Santos Ave., TFZ Clark National Highway, Brgy. Nueva Tuguegarao City Catbalogan City Midori Bldg., National Highway Meycauayan Tollgate SPCL Ecozone, Angeles City, Pampanga San Pedro, Laguna College Ave. cor. Rizal and Bonifacio St. Curry Ave. cor. San Bartolome St. Villasis, Santiago City, Isabela Meycauayan City, Bulacan Tel: (045) 499-4382; 499-4381 Tel: (049) 478-9552 to 53 Brgy. 08, Poblacion, Tuguegarao City Catbalogan City, Samar Tel: (078) 305-0344 Tel: (044) 769-9394; 769-9382 Tel: (078) 844-0958 Tel: (055) 543-8041 Pampanga - Guagua Sorsogon City Kawit - Centennial Mindoro - Calapan Goodluck Bldg., 303 Guagua- Ma. Bensuat T. Dogillo Bldg. Urdaneta City Cebu IT Park Centennial Rd., Tabon, Kawit, Cavite G/F, Paras Bldg., J.P. Rizal St. Sta. Rita Arterial Rd., Brgy. San Roque Magsaysay St., Poblacion, Sorsogon City S&P Bldg., McArthur Highway G/F, Calyx Center, W. Ginonzon Tel: (046) 484-9756; 484-9775 Brgy. San Vicente South, Calapan Guagua, Pampanga Tel: (056) 421-5778 / 421-5081 Nancayasan, Urdaneta City cor. Abad Sts., Asia Town Oriental Mindoro Tel: (045) 458-05-67; 458-0566 Tel: (075) 656-2825; 656-2838 IT Park, Cebu City La Union - Agoo Tel: (043) 288-1809; 288-1871 Sta. Rosa Tel: (032) 236-0675; 236-2278 MacArthur Highway, Brgy. San Antonio Pangasinan - Mangaldan Unit 6, Paseo 5 - Paseo de Sta Rosa Vigan Agoo, La Union Montalban - Rizal Cadastral Lot No. 335 Rizal Ave. Greenfield City, Don Jose Quezon Ave., Vigan City, Ilocos Sur Cebu Mactan Tel: (072) 687-0016 to 17 240 E. Rodriguez Highway Brgy. Poblacion, Mangaldan, Pangasinan Santa Rosa City, Laguna Tel: (077) 674-0066; 674-0373 G/F, Bldg. II Manggahan, Rodriguez, Rizal Tel: (075) 540-5023; 540-5024 Tel: (049) 508-2112; 508-2106 Tel: (077) 674-0370 M.L. Quezon National Highway La Union - San Fernando Tel: (02) 8368-4051; 8368-4050 Pusok, Lapu-lapu City Kenny Plaza, Brgy. Catbangen Pangasinan - Alaminos Subic Bay Zambales - Iba Tel: (032) 238-4958; 236-6517 Quezon Ave., San Fernando La Union Naga City BHF Blue Horizon Bldg., Quezon Ave. 1109 Rizal Highway Lot No. 1-A, Zambales-Pangasinan Tel: (072) 700-0008; 888-2638 G/F, LAM Bldg., 19 Peñafrancia Ave. Poblacion, Alaminos City, Pangasinan Subic Bay Freeport Zone, Olongapo City Provincial Rd., Brgy. Sagapan Cebu - A.C. Cortes Zone 1, Brgy. San Francisco Tel: (075) 633-4026; 633-4028 Tel: (047) 250-2775; 250-2776 Iba, Zambales Carlos Perez Bldg., A.C. Cortes Ave. Laguna - Biñan Naga City, Camarines Sur Tel: (047) 603-0374; 602-1433 Brgy. Ibabao, Mandaue City, Cebu G/F, Units 1,2,3 & 4 Tel: (054) 472-6502 Pangasinan - Lingayen Tabaco City Tel: (032) 236-1458; 253-7741 Simrey’s Commercial Bldg. Avenida Rizal East Rd. Manuel Cea Bldg. I, Santillan St. National Highway cor. Alma Manzo Rd. Nueva Ecija - Gapan Lingayen, Pangasinan Poblacion, Tabaco City, Albay VISAYAS Cebu - A.S. Fortuna Brgy. San Antonio, Biñan City, Laguna TSI Bldg., Jose Abad Santos Ave. Tel: (075) 206-0080; 206-0081 Tel: (052) 487-4132; 487-6202 AYS Bldg., A.S. Fortuna St. Sto. Niño, Gapan, Nueva Ecija Antique - San Jose Brgy. Banilad, Mandaue City, Cebu Laguna - Cabuyao Tel: (044) 486-2258; 486-2248 Pangasinan - Rosales Tagaytay St. Nicolas Bldg., T.A. Fornier St. Tel: (032) 236-4792; 236-4794 26 J.P. Rizal St., Poblacion Estrella Cmpd., Carmen East, Rosales, G/F, Unit 1001.1, Fora Mall San Jose, Antique Cabuyao City, Laguna Nueva Ecija - San Jose MacArthur Highway, Pangasinan Emilio Aguinaldo Highway Tel: (036) 540-7398; 540-7385 Cebu - Banilad Tel: (049) 534-0979; 534-0980 Paulino Bldg., Brgy. Abar 1st Tel: (075) 636-9990; 632-1017 Brgy. Crossing East, Rotunda G/F, Unit 101 of PDI Condominium Maharlika Rd., San Jose, Nueva Ecija Tel: (075) 632-0976 Tagaytay City, Cavite Bacolod - Araneta Gov. M. Cuenco Ave. cor. J. Panis St. Laguna - Sta. Cruz Tel: (044) 958-1563; 958-1580 Tel: (046) 423-3929; 423-3928 Units 1A & 1B, Metrodome Bldg. Banilad, Cebu City Sun Moon Arcade Bldg. Tel: (044) 958-1556 Pangasinan - San Carlos Araneta-Alunan St., Sincang Tel: (032) 232-5582; 232-5588 129 P. Guevara Ave., Poblacion 2 Palaris cor. Jaycees Sts. Tarlac - Concepcion Brgy. 39, Bacolod City Sta Cruz, Laguna Nueva Ecija - Talavera San Carlos, Pangasinan Lot No. 1889, B1,B2,B3, L. Cortez St. Tel: (034) 435-2887; 435-1546 Cebu - Basak Pardo Tel: (049) 523-4336; 523-4318 Lot No. 269–A Maharlika Rd. Tel: (075) 632-3095; 632-3096 San Nicolas, Concepcion, Tarlac City South Point Place Bldg., N. Balasco Ave. Poblacion, Talavera, Nueva Ecija Tel: (045) 628-2908; 628-2670 Bacolod - East South Rd., Basak Pardo, Cebu City Laoag City Tel: (044) 958-3849; 958-3865 San Fernando - Dolores East Two Corporate Center Bldg. Tel: (032) 236-6954; 236-6980 G/F, Puregolds Bldg. Felix S. David Bdg., MacArthur Highway Tarlac - McArthur Highway Circumferential Rd., Brgy. Villamonte Commercial Units 3 & 4, Nolasco St. Nueva Vizcaya - Solano Dolores, San Fernando City, Pampanga Lot No. 27 Block 17, McArthur Highway Bacolod City Cebu - Freedom Park cor Castro Ave. and J.P. Rizal, Laoag City Maharlika Rd., Poblacion Tel: (045) 961-7936 and 38 cor. Calle Manuel, San Sebastian Village Tel: (034) 432-0830; 432-0831 CLC Bldg., 280 Magallanes St. Tel: (077) 770-5196; 770-5195 Solano, Nueva Vizcaya Tarlac City near cor. Noli Me Tangere, Cebu City Tel: (078) 392-0112 / 392-0938 San Fernando - JASA Tel: (045) 628-3293; 628-3292 Bacolod - Hilado Tel: (032) 236-9280; 236-9285 Legazpi City G/F, Units 1A & 1B Hilado St., Bacolod City Block 2 Lot 3-B, Landco Business Park Olongapo City Kingsborough Commercial Center Bldg. Tarlac - F. Tañedo Tel: (034) 435-1730; 435-1722 Cebu - Fuente Osmeña Legaspi City, Albay 1215 Rizal Ave., West Tapinac Jose Abad Santos Ave., San Fernando Mariposa Bldg., F. Tañedo St., Tarlac City G/F, Cebu Women’s Club Bldg. Tel: 480-8237; 480-6659 Olongapo City Pampanga Tel: (045) 982-1937; 982-1691 Bacolod - Lacson Fuente Osmeña, Cebu City Tel: (047) 222-8592 to 94 Tel: (045) 435-0379; 435-4738 Lacson cor. Luzuriaga Sts., Bacolod City Tel: (032) 260-2381; 236-9371 Lipa City Tarlac - Paniqui Tel: (034) 433-8320 to 21 Tel: (032) 236-9368 No. 18, Lot 712 ABC, B. Morada Ave. Palawan San Fernando - Sindalan 130 M.H. Del Pilar St. Lipa City, Batangas Rizal Ave., Brgy. Manggahan T & M Bldg., MacArthur Highway cor. MacArthur Highway Bacolod - Mandalagan Cebu - Grand Cenia Tel: (043) 784-1336; 784-1396 Puerto Princesa City, Palawan Brgy. Sindalan, San Fernando, Pampanga Paniqui, Tarlac City Lopues Mandalagan Corp. Bldg. Grand Cenia Bldg. Tel: (048) 433-0186 Tel: (045) 455-1192; 455-1382 Tel: (045) 491-3846; 491-3847 Brgy. Mandalagan, Bacolod City Archbishop Reyes Ave., Cebu City Lucena City Tel: (034) 441-1141; 441-0844 Tel: (032) 417-1709; 233-5643 Quezon Ave. cor. Rosas St., Brgy. 8 Pampanga - Angeles City San Mateo Taytay - Manila East Tel: (034) 441-1145 Lucena City, Quezon Unit 4-7, AYA Bldg., Sto. Rosario St. Lot 551-A-8, Gen. Luna St. Manila East Rd., Brgy. San Juan Cebu - Juan Luna Tel: (042) 373-7623; 373-7626 Brgy. San Jose, Angeles City, Pampanga Brgy. Ampid, San Mateo, Rizal Taytay, Rizal Stephen Jo Bldg., Juan Luna, Cebu City Tel: (045) 879-1637; 879-1837 Tel: 997-1911; 997-1913 Tel: 570-4128; 570-4711 Tel: (032) 236-7528; 236-7536 Tel: (045) 322-6527

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Store Network (As of 06 February 2020)

Cebu - M. Velez Iloilo - Ledesma Cagayan de Oro - Pueblo de Oro Davao - J.P. Laurel General Santos - Santiago 151, M. Velez St., Guadalupe, Cebu City Sta. Cruz Arancillo Bldg., Ledesma VLC Tower One, B1 L1, Gran Via St. J.P. Laurel Ave., Davao City Ireneo Santiago Blvd., General Santos City Tel: (032) 236-0152; 236-0131 cor. Fuentes Sts., Iloilo City Pueblo de Oro, Cagayan de Oro City Tel: (082) 222-0137; 222-0138 Tel: (083) 552-0530; 552-0537 Tel: (033) 336-0441; 336-0443 Tel: (088) 881-5148; 881-5149 Cebu - Magallanes Davao - Lanang Iligan City Go Quiaco Bldg., Magallanes Iloilo - Molo Cagayan de Oro - Carmen Blk. 5 Lot 6, Insular Village G/F, Party Plaza Bldg., Quezon Ave. Ext. cor. Gonzales Sts., Cebu City GT Plaza Mall, MH del Pilar St. RTS Bldg., Vamenta Blvd. Pampanga, Lanang, Davao City Rabago, Iligan City Tel: (032) 254-1940; 254-1005 Molo, Iloilo City Carmen, Cagayan de Oro City Tel: (082) 234-0867 / 234-0726 Tel: (063) 222-1681; 221-1682 Tel: (033) 330-2003; 330-2004 Tel: (088) 880-0265 / 880-1342 Cebu - Mandaue North Road Davao - Ma-a Kidapawan G/F, ALDO Bldg., North Rd. Kalibo Cagayan de Oro - Cogon G/F, Rosario Bldg. Doña Leonila Complex, National Highway Basak, Mandaue City, Cebu Roxas Ave. Ext., Kalibo, Aklan De Oro Construction Supply, Inc. Bldg. Don Julian Rodriguez Ave. Poblacion, Kidapawan City Tel: (032) 236-5582; 520-3599 Tel: (036) 268-3461 / 268-3462 Don Sergio Osmeña St. Ma-a Rd., Davao City North Cotabato cor. Limketkai Drive, Cagayan de Oro City Tel: (082) 327-3547 / 287-0907 Tel: (064) 577-3989; 577-3988 Cebu - Mandaue Subangdaku Ormoc City Tel: (088) 850-0336; 850-0371 Kina Bldg., National Highway G/F, Hotel Don Felipe Annex Bldg. Davao - Magsaysay Koronadal City Subangdaku, Mandaue City, Cebu Bonifacio St., Ormoc City Cagayan de Oro - Lapasan EWB Bldg., Lot 100-C, Brgy. 030 G/F, RCA Bldg., Gen. Santos Drive Tel: (032) 346-5268; 420-5779 Tel: (053) 255-8689; 255-8693 Lapasan Highway, Cagayan de Oro City Poblacion, R. Magsaysay Ave., Davao City Koronadal City, South Cotabato Tel: (053) 561-0150 Tel: (088) 850-1870 / 850-1869 Tel: (082) 222-1279; 221-4712 Tel: (083) 520-0021; 520-0013 Cebu - Minglanilla G/F, La Nueva-Minglanilla Center Roxas City Cagayan de Oro - Velez Davao - Matina Ozamiz City Ward 2, Poblacion, Minglanilla, Cebu cor. Roxas Ave. and Osmeña St. Juan Sia Bldg., 50 Don Apolinar Lot 16 Blk 3, McArthur Highway G/F, Casa Esperanza Tel: (032) 236-9314; 236-9324 (formerly Pavia St.), Roxas City, Capiz Velez St., Cagayan de Oro City Matina, Davao City Don Anselmo Bernard Ave., Ozamiz City Tel: (036) 620-0652; 620-0134 Tel: (088) 857-8801 to 02 Tel: (082) 299-0893; 297-0012 Tel: (088) 564-0153; 564-0158 Cebu - N. Escario Cebu Capitol Commercial Complex Bldg. Silay Cotabato City Davao - McArthur Matina Pagadian City N. Escario St., Cebu City Rizal St., Silay City, Negros Occidental 31 Quezon Ave., Poblacion 5 BGP Commercial Complex II Bldg. BMD Estate Bldg., F. Pajares Tel: (032) 253-9226; 255-8250 Tel: (034) 441-3863; 441-3866 Cotabato City McArthur Highway, Matina, Davao City cor. Sanson Sts., Pagadian City Tel: (064) 421-5961; 421-5962 Tel: (082) 285-8086; 285-8089 Zamboanga del Sur Cebu - Park Mall Tacloban City - Marasbaras Tel: (062) 925-0037; 215-4681 Alfresco 4, Units 39, 40 & 40A G/F, JGC Bldg., Brgy. 77 Davao - Agdao Davao - Panabo City Parkmall, Mandaue City Marasbaras, Tacloban City Doors 2 & 3, Cabaguio Plaza Quezon St. Sto. Niño Surigao City Tel: (032) 505-4057; 505-3755 Tel: (053) 325-3596; 323-0133 Cabaguio Ave., Agdao, Davao City Panabo City, Davao del Norte G/F, EGC Bldg., Rizal St. Tel: (082) 222-2029; 222-0072 Tel: (084) 628-4022; 628-4024 Washington, Surigao City Cebu - Srp Il Corso Tacloban - J. Romualdez Tel: (086) 231-5155 to 56 Units R 160 & 161, IL Corso Retail Bldg. RUL Bldg., Justice Romualdez St. Davao - Bajada Davao - Quirino SRP, Cebu City Brgy. 15, Tacloban City Carolina Uykimpang Bldg. cor. Iñigo St. Centron Bldg., Quirino Ave. Tacurong Tel: (032) 236-0774; 236-0735 Tel: (053) 832-2717; 832-2534 J.P. Laurel Ave., Davao City cor. General Luna St., Davao City Tacurong City-Lambayong Tel: (082) 285-2701; 285-2700 Tel: (082) 224-0582; 224-0696 National Highway, Tacurong Cebu - Talisay Tagbilaran City Sultan Kudarat Paul Sy Bldg., Highway Tabunok CPG Ave., 2nd District, Tagbilaran City Davao - Buhangin Davao - Sta. Ana Tel: (064) 562-0473; 562-0475 Talisay City, Cebu Tel: (038) 411-0903; 411-0904 G/F, D3G Bldg., KM. 5 Buhangin Rd. G/F, GH Depot Bldg., Gov. Sales St. Tel: (032) 236-9434; 236-9433 Tel: (038) 411-0911 cor. Gladiola St., Buhangin, Davao City Sta. Ana, Davao City Tagum City Tel: (082) 221-7420; 221-8186 Tel: (082) 221-4021; 221-0436 Gaisano Grand Arcade, Apokon Rd. Dumaguete City Tel: (082) 221-6596 cor. Lapu-Lapu Ext., Brgy. Visayan Village Don Joaquin T. Villegas Bldg. MINDANAO Davao - Toril Tagum City Colon St., Dumaguete City Davao - C.M. Recto Saavedra St., Toril, Davao City Tel: (084) 216-4325; 216-4323 Tel: (035) 226-3797 to 98 Bukidnon - Valencia P&E Bldg., Poblacion, Brgy. 035 Tel: 082-295-6623; 295-6621 Tamay Lang Lang Park Lane Bldg. C.M. Recto Ave., Davao City Zamboanga - Canelar Iloilo - Diversion G. La Viña Ave., Poblacion Tel: (082) 285-0376 / 228-6016 Dipolog City Printex Bldg., Mayor Jaldon St. The 21 Ave. Bldg., Benigno Aquino Ave. Valencia City, Bukidnon G/F, Felicidad II Bldg., Quezon Ave. Zamboanga City Mandurriao, Iloilo City Tel: (088) 828-4068; 828-4078 Davao - Digos Miputak, Dipolog City Tel: (062) 990-1110; 990-1102 Tel: (033) 323-1107; 323-1108 Commercial Space-4, Davao RJ and Tel: (065) 908-361 / 908-0360 Butuan City Sons Realty & Trading Corp. Bldg. Zamboanga - NS Valderrosa Iloilo - Iznart G/F, Deofevente Bldg. V. Sotto St., Brgy. Zone-1, Digos City General Santos City - Calumpang N.S. Valderrosa cor. Corcuerra Sts. G/F, B&C Square Bldg., Iznart St. Lot No. 7, Governor J. Rosales Ave. Davao del Sur Calumpang Medical Specialist Bldg. Zamboanga City cor. Solis St., Iloilo City Brgy. Imadejas, Butuan City Tel: (082) 272-1896; 272-1897 National Highway, Calumpang Tel: (062) 992-6571; 992-6574 Tel: (033) 338-1207; 338-1961 Tel: (085) 225-9620 / 342-7757 General Santos City Davao - Diversion Road Tel: (083) 552-4739; 552-4742 Iloilo - Jaro Butuan - P. Burgos G/F, Units 4 & 5, D3G Y10 Bldg. Jaro Townsquare, Mandaue Foam Bldg. Units 1, 2 & 3, G/F, FSUU Bldg. C.P. Garcia National Highway General Santos - Pioneer Quintin Salas, Jaro, Iloilo City P. Burgos cor. San Francisco Sts. Brgy. Cabantian, Davao City Pioneer Ave. cor. Magsaysay Ave. Tel: (033) 320-0241; 320-0247 Brgy. Sikatuna, Butuan City Tel: (082) 296-2047; 296-1648 General Santos City Tel: (085) 225-0432; 225-0429 Tel: (083) 552-2472; 552-2514

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Store Network (As of 06 February 2020)

LUZON Lucena Store Tuguegarao Store Culasi Store-Lite San Carlos Store Cagayan de Oro Store Land Co Bldg., ML Tagarao St. Don Domingo St., Brgy. Centro 11 Alpas Bldg., Centro Sur, Poblacion Center Mall, F. C. Ledesma Ave. Silverdale Bldg., Capistrano cor. Mabini St. Baguio Store Brgy. 3, Lucena City, Quezon Tuguegarao City, Cagayan Valley Culasi, Antique Brgy. Palampas, San Carlos City Brgy. 14, Cagayan de Oro City 2F, Jose Miguel Bldg. II, Yandoc St. Tel: (042) 373-0976 Tel: (078) 396-2133 Negros Occidental Misamis Oriental cor. Naguilian Rd., Brgy. Kayang Ext. Danao Store-Lite Baguio City Masbate Store Virac Store-Lite FMJ Bldg., National Rd. Sogod Store Camiguin Store-Lite Tel: (074) 424-8701 Doors 1 & 2, Sanchez Bldg., Sitio Cagba Virac Town Center, Gogon Sirangan Brgy. Looc, Danao City L. Regis St., Brgy. Zone 5 Plaridel St., Brgy. Poblacion Brgy. Tugbo, Masbate City Virac, Catanduanes Sogod, Southern Leyte Mambajao, Camiguin Province Baler Store-Lite Guimaras Store Lite Burgos St., Brgy. 3 (Poblacion) Meycauayan Store Unit 19, Finerock Bldg. Tacloban Store Dapa Store Baler, Aurora Manila North Rd., McArthur Highway VISAYAS Old Site San Miguel Jordan, Guimaras G/F, Insular Life Bldg. Mabini St., Brgy. 11 Poblacion Brgy. Calvario, Meycauayan City, Bulacan Avenida-Veteranos Ave., Brgy. 34 Dapa, Surigao del Norte Batangas Store Bacolod Store Iloilo Store Tacloban City, Leyte G/F, Epicenter National Highway Naga Store R.S. Bldg. cor. Hilado Ext. & 6th Sts. National Rd., Brgy. Tagbak Tel: (053) 523-9189 Davao City Store Brgy. Balagtas, Batangas City, Batangas Door 48 & 49, Crescini Bldg. Capitol Shopping Center, Lacson Jaro, Iloilo City Uyanguren St., Ramon Magsaysay Ave. CBD 2 Triangulo, Naga City Bacolod City, Negros Occidental Tagbilaran Store Brgy. 29-C, Davao City, Davao del Sur Cabanatuan Store Camarines Sur Tel: (034) 709-1294 Jagna Store-Lite G/F, Sum Bldg., #29 San Jose St. Bulanadi Bldg., Maharlika Highway Tel: (054) 472-0447 DQ Lodge Bldg., Brgy. Looc Brgy. Bogu, Cogon Dist. Digos Store Lite Brgy. H. Concepcion, Cabanatuan City Bantayan Store-Lite Jagna, Bohol Tagbilaran City, Bohol Dasubarco Bldg., Ramon Magsaysay St. Nueva Ecija Narra Store Nemont Bldg., Pres. S. Osmeña Tel: (038) 235-6747 corner Jacinto St., Brgy. Zone 3 Tel: (044) 463-0275 National Highway, Brgy. Panacan 2 corner Escario Streets, Brgy. Binaoba Kabankalan Store Digos City Narra, Palawan Bantayan, Cebu, 6052 The Crossing, Guazon St. Talibon Store Cainta Store Brgy. 2, Kabankalan City G/F, Edificio Luciano - Aurorita Bldg. Dipolog Store Km. 19, Ortigas Ave. Ext. Pasig Store Bayawan Store-Lite Negros Occidental CPG Ave., Brgy. Poblacion General Luna cor. Calibo Sts., Dipolog City Don Mariano Subd., Brgy. San Juan 360 Dr. Sixto Antonio Ave. FLC Bldg., National Highway Talibon, Bohol Zamboanga del Norte Cainta, Rizal cor. Beverly Hills St., Brgy. Caniogan cor. Bollos St., Poblacion La Carlota Store-Lite Tel: (038) 515-5860 Tel: (02) 682-0085 Pasig City Bayawan City, Negros Oriental Gurrea St., Brgy. 3, La Carlota City General Santos Store Tel: (02) 8643-6334 Tanjay Store UTD Bldg., J. Catolico Ave., Lagao Daet Store Baybay Store Larena Store Magallanes St., Cor. Basa St. General Santos City, South Cotabato Blk. 8, Lot-11, FMDC Bldg. Puerto Princesa Store Oppura Bldg., M.L. Quezon GDM Bldg., Bonifacio St. Pob. 2, Tanjay City, Negros Oriental Central Plaza Complex, Brgy. Lag-on 201 Whitelines Bldg., National Highway cor. D. Veloso St., Brgy. Poblacion-Zone 9 North Poblacion, Larena, Siquijor Tel: (035) 522-8177 Gingoog Store Daet, Camarines Norte Brgy. San Pedro, Puerto Princesa City Baybay, Leyte Tel: (035) 377-2344 Doña Graciana St., Brgy. 20 Palawan Tel: (053) 563-8019 Toledo Store Gingoog City, Misamis Oriental Dagupan Store Tel: (048) 433-0763 Maasin Store #4 Ma. Theresa Isabel Bldg. Units L1L & L1M, G/F, Eastgate Plaza Bldg. Bogo Store R. Kangleon cor. Rafols Sts. Peñalosa St., Luray I, Toledo City, Cebu Ipil Store A.B. Fernandez East Ave., Brgy. Mayombo San Fernando, Pampanga Store CPN Bldg., M.H. del Pilar St. Brgy. Tunga-tunga Maasin City Tel: (032) 467-8696 Gethsemane St., Purok Malipayon Dagupan City, Pangasinan McArthur Highway, Suburbia North Brgy. Lourdes, Bogo City, Cebu Southern Leyte Poblacion Ipil, Zamboanga Sibugay Tel: (075) 529-0925 Subd. Brgy. Maimpis, San Fernando City Tel: (032) 340-0109 Tel: (053) 570-8513 Tubigon Store Lite Pampanga G/F, GCA Bldg., Jose Dual St. Isulan Store Dasmariñas Store Tel: (045) 860-0947 Borongan Store Mandaue Store Brgy. Tinangnan, Tubigon, Bohol Valdez Bldg. Arcade, National Highway Lot-4, Aguinaldo Highway, Brgy. Salitran Doctora Sabate Bldg., Real St. Northside Business Hub, G. Lopez-Jaena Brgy. Kalawag II, Isulan, Sultan Kudarat Dasmariñas City, Cavite San Fernando, La Union Store Brgy. Songco, Borongan City cor. A.P. Cortes St., Brgy. Tipolo Tel: (046) 424-0149 Diversion Rd., Brgy. Pagdaraoan Eastern Samar Mandaue City, Cebu MINDANAO Kabacan Store San Fernando City, La Union National Rd., Rizal St., Brgy. Poblacion Gumaca Store Tel: (072) 607-8554 Cadiz Store-Lite Naval Store-Lite Alabel Store Lite Kabacan, North Cotabato MAJT Bldg., Brgy. Pipisik Unit III, Gustillo Boulevard, Zone II Tacung St., Brgy. P.I. Garcia Talingting Bldg., Magsaysay St., Purok 3 Tel: (064) 572-6214 Gumaca, Quezon San Ildefonso Store Lite Cadiz City, Negros Occidental Naval, Biliran Brgy. Poblacion, Alabel Tel: (042) 717-5306 1/F, 1st Stall, Cagayan Valley Rd. Sarangani Province Kitcharao Store Brgy. Sapang Putol, San Ildefonso, Bulacan Calbayog Store Ormoc Store National Highway, Brgy. Songkoy Iriga Store-Lite Cor. Orquin St. & Magsaysay Blvd. Real St. cor. San Vidal, Brgy. District 21 Bayugan Store Kitcharao, Agusan del Norte Cheema Bldg., Alfelor St. Sta. Rosa Store Brgy. Balud, Calbayog City Ormoc City, Leyte Libres St., Brgy. Taglatawan San Roque (Poblacion), Iriga City Hernandez Bldg., National Road Tel: (053) 255-3074 Bayugan, Agusan del Sur Koronadal Store Camarines Sur, Bicol Region Brgy. Macabling, Sta. Rosa City, Laguna Carcar Store Purok Mabuhay,Brgy. Zone IV Tel: (049) 530-3885 Ramos Bldg., P. Nellas St. Passi Store-Lite Butuan Store Koronadal City, South Cotabato Irosin Store Poblacion III, Carcar City, Cebu Simeon Aguilar St., Poblacion Ilawod Pareñas Bldg., South Montilla Blvd. Tel: (083) 228-7610 M.H. Del Pilar St., Brgy. San Julian Tanay Store Passi City, Iloilo Brgy. Golden Ribbon, Butuan City Irosin, Sorsogon M. H. Del Pilar, Brgy. Plaza Aldea Catarman Store Agusan del Norte Madrid Store Tel: (056) 557-3252 Tanay, Rizal Province Benpres Bldg., South Diversion Rd. Roxas Store Tel: (085) 342-2911 Arpilleda cor. Buniel Sts., Brgy. Quirino Tel: (02) 8941-7265 Brgy. Macagtas, Catarman, Samar Unit II, Cler Grand Hotel, Brgy. Lawaan Madrid, Surigao del Sur Legazpi Store Roxas City, Capiz Cabadbaran Store Door 2 & 3, Bicol Wei Due Fraternity Bldg. Tarlac Store Cebu City Store Tel: (036) 522-8094 Rara cor. A. Curato Sts., Brgy. 8 Poblacion Malita Store Lite Quezon Ave., Oro Site, Legazpi City Silayan Business Center Bldg. 36, JET House Bldg., Osmeña Blvd. Cabadbaran City, Agusan del Norte Castro Bldg., Maruya St., Poblacion Albay Brgy. Santo Cristo, Tarlac City, Tarlac Brgy. Sambag II, Cebu City Malita, Davao Occidental Tel: (045) 628-1131 Tel: (032) 253-3760

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Store Network Offsite ATM Network (As of 06 February 2020) (As of 06 February 2020)

Mangagoy Store Tagum Store LUZON EWRB - Baguio EWRB San Fernando La Union EWRB Bldg., Espiritu St., Mangagoy KORE Bldg., Purok Doctolero 2/F, Jose Miguel Bldg. II, Yandoc St. Brgy. Pagdurawan, Diversion Rd. Bislig City, Surigao del Sur Brgy. Magugpo East, Tagum City Aces Agri - Echague cor. Naguilian Rd., Brgy. Kayang Ext. San Fernando, La Union Davao del Norte KM 342, Maharlika Highway Baguio City Maramag Store Brgy. Garit Norte, Magnolia EWRB San Fernando Pampanga G/F, Abao Bldg., Bonifacio St. Tandag Store Chicken Plant, Echague, Isabela EWRB - Cabanatuan Suburbia North Subd., McArthur Highway P-1A South Poblacion, Maramag Pimentel Bldg., Donasco St. Bulanadi Bldg., Maharlika Highway San Fernando, Pampanga Bukidnon Brgy. Bag-ong Lungsod, Tandag City Amosup - Mariners Home Brgy. H. Concepcion, Cabanatuan City Surigao del Sur 1765 Vasquez cor. Julio Nakpil St. Nueva Ecija EWRB Sta. Rosa Mati Store Malate, Manila LC Business Center, National Highway Magricom Bldg. 2, Limatoc St., Central Trento Store EWRB - Daet Brgy. Macabling, Sta. Rosa, Laguna Mati City, Davao Oriental P-7, Juan Luna St., Brgy. Poblacion Ayala Fairview Terraces Blk. 8, Lot-11, FMDC Bldg. Trento, Agusan del Sur Ayala Fairview Terraces, Quirino Highway Central Plaza Complex, Brgy. Lag-on EWRB Tanay Midsayap Store cor. Maligaya Drive, Novaliches Daet, Camarines Norte M.H. del Pilar St., Plaza Aldea Crossing Poblacion 8, Midsayap Valencia Store Quezon City Tanay, Rizal North Cotabato LCC Bldg., Purok 2, Sayre Highway EWRB - Irosin Poblacion, Valencia City, Bukidnon Ayala Mall - Circuit M.H. Del Pilar St., Brgy. San Julian EWRB Tarlac Molave Store Ayala Mall Circuit Makati Irosin, Sorsogon Silayan Business Center Cinema Bldg., Zamora St. Zamboanga City Store Hippodromo St., Brgy. Carmona Brgy. Santo Cristo, Tarlac City Purok Waling-waling, Brgy. Maloloy-on Mayor Vitaliano Agan Ave., Nunez Ext. Makati City EWRB - Masbate Molave, Zamboanga del Sur Brgy. Camino, Nuevo, Zamboanga City Doors 1 & 2, Sanchez Bldg., Sitio Cagba EWRB Tuguegarao Ayala Mall - Feliz Brgy. Tugbo, Masbate City Don Domingo St., Tuguegarao City Nabunturan Store 4/F, Ayala Mall Feliz, Marcos Highway Amatong Bldg., Purok 11, Poblacion cor. Amang Rodriguez, Brgy. Dela Paz EWRB Batangas FastByte - North Cyberzone Nabunturan, Compostela Valley Pasig City G/F, Epicenter, National Highway FastByte, North Cyberzone Brgy. Balagtas, Batangas Northgate, Filinvest Corporate City Nasipit Store Ayala Mall Cloverleaf Alabang, Muntinlupa City Roxas St., Brgy. 4, Nasipit 3/F, near food court Ayala Mall Cloverleaf EWRB Cainta Agusan del Norte Balintawak, Quezon City Unit 101, East 1900 Bldg., Gate 3 FDC Cyber Sigma BGC Tel: (085) 343-2078 Vista Verde Executive Village ATM Area beside new Bistro Deli Bataan 2020 Felix Ave., Cainta Rizal G/F, Cyber Sigma Bldg., Lawton Ave. Ozamiz Store Lite Roman Superhighway, Samal, Bataan Mckinley West, Fort Bonifacio, Taguig City G/F, Clarita L. Yu Bldg. EWRB Dagupan Don Anselmo Bernad Ave. Castro Maternity Hospital G/F, Units L1L & L1M FEU - NRMF Fairview Brgy. Aguada, Ozamiz City M. Ponce St., Subic, Baliuag, Bulacan Eastgate Plaza Bldg. Regalado Ave. cor. Dahlia West Misamis Occidental A.B. Fernandez East Ave. Faiview, Quezon City Centro Mall Cabuyao Brgy. Mayombo, Dagupan City Pagadian Store Brgy. Pulo, National Highway Rd. Pangasinan Filinvest - Mandaluyong Vicente Araneta Tolibas Bldg. Cabuyao, Laguna 79 EDSA, Mandaluyong City Jamisola cor. Ariosa Sts., Santiago Dist. EWRB Dasmariñas Pagadian City, Zamboanga del Sur Century Mall Lot-4 Aguinaldo Highway, Brgy. Salitran Filinvest - Mandaluyong 2 Century City Mall, Kalayaan Ave. Dasmariñas City, Cavite 7/F, Filinvest Bldg., 79 EDSA Panabo Store Lite cor. Salamanca St., Brgy. Poblacion Mandaluyong City National Highway Makati City EWRB Gumaca P-3A Brgy. San Francisco MAJT Bldg., Brgy. Pipisik Finman Pasig Panabo City, Davao del Norte District Imus Gumaca, Quezon 360 Dr. Sixto Antonio Ave. Aguinaldo Highway cor. Daang Hari Rd. Caniogan, Pasig City San Francisco Store Brgy. Anabu II-D, Imus, Cavite EWRB Legazpi Quezon St., Brgy. 2, San Francisco Doors 2 & 3 FPF Manufacturing Corp. Agusan del Sur DMCI Calaca Bicol Wei Due Fraternity Bldg. 11th Ave., Phase II FAB, Mariveles, Bataan Gate 4 DMCI, San Rafael Quezon Ave., Oro Site, Legazpi City San Jose Store Lite Calaca, Batangas Glorietta Makati P-1, San Jose, Dinagat Island EWRB Lucena 2/F, Glorietta 1, South Drive DMCI Homes Benco Bldg., Enriquez cor. Juarez Sts. Ayala Center, Makati City Surigao City Store 132 Apolinario St., Bangkal, Makati City Lucena City Parkway, Km.2, Brgy. Luna Goldwing Surigao City, Surigao del Norte Eastwood 1800 EWRB Meycauyan 61 F. Balagtas St., Parang, Marikina City Tel: (086) 826-6238 1880 Eastwood Ave. 2602 Malhacan National Rd. Eastwood City Cyberpark Brgy. Malhacan, Meycauayan City Harbor Point Tagoloan Store E. Rodriguez, Jr. Ave. (C5), Quezon City Bulacan Rizal Highway, Subic Bay, Freeport Zone National Highway, Brgy. Poblacion Tagoloan, Misamis Oriental EWRB Naga Hilton Hotel Door 43, Central Business Dist. 2 Terminal Newport Blvd., Newport City Naga City Pasay City (Across Resorts World Manila)

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Offsite ATM Network (As of 06 February 2020)

Jollibee Mabalacat Robinsons Forum Pioneer SM Megamall Uptown Mall (BGC) EWRB - Sogod EWRB Toledo Lot 301, McArthur Highway 30 EDSA cor. Pioneer St. SM Megamall Bldg., Julia Vargas G/F beside National Bookstore, 9th Ave. L. Regis St., Brgy. Zone 5 Peñalosa St., Luray I, Toledo City, Cebu Brgy. San Francisco, Mabalacat City Mandaluyong City cor. EDSA, Wack Wack Village cor. 36th St., Bonifacio Global City Sogod, Southern Leyte Mandaluyong City Taguig City Gaisano Casuntingan La Suerte Robinsons Magnolia EWRB Bacolod M.L. Quezon Ave., Casuntingan Maharlika Highway, Brgy. Alupaye Aurora Blvd. cor. Doña Hemady St. SM Megamall Wing B Vector - Alabang RS Bldg. cor. Hilado & 6th Sts. Mandaue City Pagbilao, Quezon Quezon City 2/F, ATM Center, Megamall Wing B G/F, Vector One Bldg. Capitol Shopping Center, Bacolod City SM Megamall, EDSA cor. J. Vargas Ave. Northgate Cyberzone Gaisano Country Mall Landmark Alabang Robinsons Metro East Mandaluyong City Alabang, Muntinlupa City EWRB Baybay G/F, Banilad, Cebu City ATM #05, G/F, Landmark Alabang Marcos Highway, Brgy. Dela Paz D. Veloso cor. M. L. Quezon St. Festival Mall, Civic Drive, Alabang Santolan, Pasig City SM North EDSA Vector 2 - Alabang Baybay City, Leyte Gaisano Grand Fiesta Mall Muntinlupa City Parking Lot, SM North EDSA Complex 8/F, Chroma Hospitality Highway Tabunok, Talisay City Robinsons Place Cainta EDSA, Pag Asa 1, Quezon City Vector 2, Alabang EWRB Bogo Gaisano Grand Mall Mactan Landmark Makati 2/F, ATM Center, Ortigas Ave. Ext. CPN Bldg., M. H. Del Pilar St. Brgy. Basak, Agus Rd., Lapu-lapu, Cebu Ayala Center Makati, Makati City Brgy. Sto. Domingo, Cainta, Rizal SM Novaliches Carbon, Bogo City, Cebu Quirino Highway, San Bartolome VISAYAS Gaisano Grand Mall Mactan Landmark Trinoma Robinsons Place Dasmariñas Novaliches, Quezon City EWRB Calbayog Brgy. Basak, Agus Rd., Lapu-lapu, Cebu EDSA cor. Mindanao Ave. Ext. 1/F, Aguinaldo Highway cor. Gov’s Drive Ayala Center Cebu Irigon Bldg., Pajarito St. Quezon City Sitio Palapala, Dasmariñas, Cavite SM San Lazaro 2/F beside Sanuk Calbayog City, Western Samar Gaisano Mall Tagum UG/F, Felix Huertas Ayala Center Cebu Expansion Apokon Rood cor. Lapu Lapu Ext. Luckygold Plaza Robinsons Place Imus cor. AH Lacson St., Manila Cebu Business Park, Cebu City EWRB F. Ramos Brgy. Visayan Vill., Tagum City 2/F, Luckygold Plaza Bldg. G/F, E. Aguinaldo Highway V. Yap Bldg., 29 F. Ramos St. 58 Ortigas Ave. Ext., Pasig City Tanzang Luma V, Imus, Cavite SM Sta. Mesa Supermarket Boracay Villa Lourdes Cebu City Gaisano Metro Store Lapu-Lapu Ramon Magsaysay cor. Araneta Ave. D’ Mall Station 2, Brgy. Balabag M.L. Quezon Highway, Pajo Market Market Robinsons Place Manila Quezon City Boracay Island, Malay, Aklan EWRB Iloilo Lapu-lapu City, Cebu 4/F, ATM Center, Market Market M. Adriatico cor. Pedro Gil Bonifacio Drive infront of Taguig City Malate, Manila SM Taytay BQ Luitton Metro Iloilo Water Dist., Iloilo City Gaisano SRP Manila East Rd., Dolores, Taytay, Rizal Luitton Bldg., Gallares St. South Reclamation Project, Talisay City Marquee Mall Robinsons Sta. Rosa Market Tagbilaran City EWRB Maasin 3/F, Marquee Mall 1/F, Old National Highway Sogo Hotel R. Kangleon St., Tunga-Tunga Hotel Del Rio Francisco G. Nepo Ave. Brgy. Tagapo, Sta. Rosa, Laguna G/F, Sogo Corporate Office Crimson Bay Hotel Maasin City, Southern Leyte Hotel Del Rio – Iloilo, M.H. Del Pilar St. Angeles City, Pampanga 629 EDSA, Cubao, Quezon City Seascape Resort Town, Sitio Dapdap Molo, Iloilo City Shangri-La Plaza Lapu-Lapu City, Mactan, Cebu EWRB Mandaue Subangdaku Mimosa CitiScape Inc. - Quest Hotel LG/F, East Wing, EDSA St. Clare’s Medical Center Dayzon Bldg., Lopez Jaena St. J Center Mall M.A. Roxas Highway, Clark Freeport Zone Mandaluyong City 1838 Dian St., Brgy. Palanan Crimson Hotel Boracay Subangdaku, Mandaue City AS Fortuna St., Bakilid Philippines-Mimosa Hotel (Quest Hotel) Makati City Crimson Resort and Spa Boracay Mandaue City, Cebu Simbayanan Punta Bunga Cove, Brgy. Yapak EWRB Ormoc Mitsubishi Laguna 115 M.L Quezon St., Purok 02 St. Paul - Pasig Boracay Island, Malay, Aklan Juan Luna St., Sabang, Ormoc City La Nueva Supermart Mitsubishi Motors Philippine Corp. New Lower Bicutan, Taguig City St. Paul Rd., Brgy. Ugong, Pasig City G.Y. Dela Serna St., Lapu-Lapu City No. 1 Auto Park Ave., Greenfield EWRB - Carcar EWRB Palawan Automotive Park, Sta. Rosa, Laguna SLU Hospital Baguio Super 8 Cogeo Ramos Bldg., P. Nellas St. National Highway, Brgy. San Pedro Lifebank Roxas Saint Louis University Hospital SPI Bldg., Manuel L. Quezon Ave. Poblacion III, Carcar City, Cebu Puerto Princesa City, Palawan Km. 2 Brgy. Lawa-an Roxas City New Rosario Arcade Assumption Rd., Baguio City Brgy. San Roque, Antipolo, Rizal New Rosario, Ortigas Arcade, Pasig City EWRB - Catarman EWRB Roxas Lifebank Sta. Barbara SM Aura Premiere The Palms Country Club Benpres Bldg., South Diversion Rd. Unit 2, CLER Grand Hotel Lifebank Sta. Barbara, Bypass Rd. One Oasis Ortigas LG/F, Parking Entrance near DHL 1410 Laguna Heights Drive, Filinvest City Brgy. Macagtas, Catarman, Samar Brgy. Lawaan, Roxas City Brgy. Duyan Duyan, Sta. Barbara, Iloilo Building M, Oasis Hub, Ortigas Ave. SM Aura Premier, 26th St. Alabang, Muntinlupa City Pasig City cor. McKinley Parkway, Taguig City EWRB - Kabankalan EWRB Tacloban Lovefeeds - Iloilo Theatre Mall The Crossing, Guazon St., Brgy. 2 G/F, Insular Life Bldg. Love Feeds New Panay Agri Venture Pasong Tamo Head Office SM Center Sangandaan Ortigas Ave., Greenhills, San Juan Kabankalan City, Negros Occidental Avenida Veterans St., Brgy. 34 Brgy. Cabugao Sur, Pavia, IloIlo 2264 Pasong Tamo Ext. 3/F near Cinemas, Samson Rd. Tacloban City Brgy. Magallanes, Makati City Sangandaan, Caloocan City Toyota Dagupan EWRB - Larena Marina Mall (Cebu) Service Reception Area GDM Bldg., North Poblacion EWRB Tagbilaran G/F, Bk. C108 Mactan, Lapu-Lapu, Cebu Philstar SM Fairview Toyota Dagupan, McArthur Highway Bonifacio St., Larena, Siquijor G/F, Sum Bldg., 29 San Jose St. 202 Oca Rail Rd. St., Port Area, Manila SM City Fairview Complex Calasiao City, Pangasinan Brgy. Cogon, Tagbilaran City, Bohol Robinsons Galleria Cebu Quirino Highway, Fairview, Quezon City EWRB - Narra 2/F, ATM 202, Robinsons Galleria Cebu Powerplant Mall Twenty Oaks Mariveles Bataan National Highway, Brgy. Panacan II EWRB Talibon 3/F, R3, Power Plant Mall SM Mall of Asia Twenty Oaks Duty Free Hypermarket Narra, Palawan G/F, Edificio Luciano Aurorita Bldg. SM City - Consolacion Rockwell Center, Makati City J.W. Diokno Blvd., Mall of Asia Complex Mariveles, Bataan CPG Ave., Poblacion, Talibon, Bohol Cebu North Rd., Brgy. Lamac CBPIA, Pasay City EWRB - San Carlos Consolacion, Cebu RBC Sheridan U.P. Town Center Center Mall, F. C. Ledesma Ave. EWRB Tanjay 9/F, Rockwell Business Center 2/F beside China Bank ATM Brgy. Palampas, San Carlos City Magallanes cor. Basa Sts. SM City Cebu Sheridan, Sheridan St. UP Town Center, Katipunan Ave. Negros Occidental Pob. 2, Tanjay City, Negros Oriental North Reclamation Area, Cebu City Mandaluyong City Quezon City

EastWest Annual Report 2019 Always ON. Always IN. Always HERE. 114

Offsite ATM Network (As of 06 February 2020)

SM City Cebu 2 EWRB Dipolog EWRB Tagoloan STOCK TRANSFER SERVICE, INC. This 2019 annual report contains forward-looking statements about LG/F, North Reclamation Area, Cebu City General Luna cor. Calibo Sts. National Highway, Poblacion 34th Floor, Unit D, Rufino Pacific Tower future events and expectations. These forward-looking statements Zamboanga del Norte Tagoloan, Misamis Oriental 6784 Ayala Avenue, Makati City include words or phrases such as the Bank or its management or SM Seaside Cebu 1024B, SM Seaside City Cebu EWRB GenSan EWRB Tandag Metro Manila, Philippines other words or phrases of similar import. SRP-Mambaling Rd., Cebu City Doors 2 & 3, Grace Commercial Bldg. Pimentel Bldg., Donasco St. Tel No.: +632 8403-2410 or +632 8403-2412 Jose Catolico Sr. Ave., Gen. Santos City Bagong Lungsod, Tandag, Surigao del Sur Fax No.: +632 8403-2414 Similarly, statements that describe the Bank’s objectives, plans or MINDANAO EWRB Gingoog EWRB Trento goals are also forward-looking statements. All such statements are DESMARK Arcade, Brgy. 17 P-7 Juan Luna St., Poblacion Trento OFFICE OF THE CORPORATE subject to known and unknown risks and uncertainties that could National Highway, Gingoog City Agusan del Sur Abreeza Corporate Center cause actual results to differ materially from those contemplated by J.P. Laurel Ave., Bajada, Davao City SECRETARY EWRB Ipil EWRB Valencia East West Banking Corporation the relevant forward-looking statement. Abreeza Mall Eastwest Rural Bank, Inc. - Ipil Alkuino Bldg., Sayre Highway Zamboanga Ipil, Sibugay, Zamboanga Poblacion, Valencia City, Bukidnon EastWest Corporate Center J.P. Laurel Ave., Bajada Such forward-looking statements are made based on management’s Lanang, Davao City 5th Floor, The Beaufort EWRB Kabacan Cotabato Gaisano Grand Tagum 5th Avenue corner 23rd Street current expectations or beliefs, as well as assumptions made by, and National Rd., Rizal St., Poblacion National Highway, Tagum City Apo View Hotel Bonifacio Global City, Taguig 1634 information currently available to, management. These statements 150 J. Camus St., Davao City Kabacan, Cotabato Davao del Norte Metro Manila, Philippines speak only as at the date of the report and nothing contained in this Cagayan de Oro Liceo University EWRB Kitcharao Gaisano Mall of Davao Tel: +632 8575-3871 / 8575-3805 report is or should be relied upon as a promise or representation as Brgy. Songkoy, National Highway UG/F, ATM Center RN Pelaez Blvd., Causwagan to the future. Cagayan de Oro City Kitcharao, Agusan del Norte JP Laurel Ave., Davao City Fax: +632 8816-0619 / 8818-4147 For investor-related inquiries, Davao Doctors Hospital EWRB Koronadal Gaisano Mall Toril please write or call: This report does not constitute a prospectus or other offering UGA Bldg., Gensan Drive, Purok Gaisano Mall Toril, Toril, Davao City Davao Doctors Hospital memorandum in whole or in part nor does it constitute an offer to Dumoy Satellite Out Patient Facility Mabuhay, Zone IV, Koronadal City McArthur Highway, Talomo, Davao City Nasipit INVESTOR RELATIONS OFFICE sell or the solicitation of an offer to buy any securities of the Bank. EWRB Madrid Roxas St., Nasipit, Agusan del Norte East West Banking Corporation There shall be no sale of these securities in any state or jurisdiction in EWRB - Maramag Arpilleda cor. Buniel St., Brgy. Quirino G/F, Abao Bldg., Bonifacio St. Madrid, Surigao del Sur Robinsons Cagayan de Oro EastWest Corporate Center which such offer, solicitation or sale would be unlawful prior to any P-1A South, Poblacion, Maramag Rosario Crescent cor. Florentino Sts. 5th Floor, The Beaufort qualification under the securities laws of such state or jurisdiction. Bukidnon EWRB Mangagoy Limketkai Center, Cagayan de Oro City Espiritu St., Mangagoy 5th Avenue corner 23rd Street EWRB - Zamboanga Bislig City, Surigao del Sur SM City Davao Bonifacio Global City, Taguig 1634 This report has not been and will not be reviewed or approved by SM City Davao - Annex Nunez Ext., Brgy. Camino Nuevo Metro Manila, Philippines any statutory or regulatory authority or any stock exchange in the EWRB Mati Quimpo Blvd., Ecoland, Davao City Mayor Vitaliano Agan Ave. Philippines or elsewhere. Recipients of this report should undertake Zamboanga City Door 5, Magricom Bldg. II Email: [email protected] National Highway, Mati, Davao Oriental SM Lanang their own assessment with regard to investment in the Bank and EWRB Bayugan J.P. Laurel Ave., Bajada, Lanang they should obtain independent advice on any such investment’s Libres St., Taglatawan, Bayugan EWRB Midsayap Cotabato Davao City Agusan del Sur Crossing Poblacion 8 suitability, inherent risks and merits and any tax, legal and Midsayap, Cotabato Veranza Mall accounting implications which it may have for them. EWRB Butuan GBI J. Catolico Ave., General Santos City Montilla Blvd., Butuan City EWRB Molave Goles Bldg., Mabini St. EWRB Cabadbaran Brgy. Madasigon, Molave Garame St., Cabadbaran Zamboanga del Sur Agusan del Norte EWRB Nabunturan EWRB Cagayan de Oro Purok 11, Brgy. Poblacion Capistrano cor. Mabini St. Nabunturan, Compostela Valley Cagayan de Oro City EWRB Pagadian EWRB Dapa Jamisola cor. Ariosa Sts. Mabini St., Brgy. 11, Poblacion Dapa Santiago Dist., Pagadian City Surigao del Norte EWRB San Francisco EWRB Davao Tagum Quezon St. Brgy. 2, San Francisco Magugpo East, Tagum City Agusan del Sur

EWRB Davao Uyangurin EWRB Surigao Uyangurin St., Ramon Magsaysay Ave. Parkway, Km. 3, Brgy. Luna Davao City Surigao City, Surigao del Norte

EastWest Annual Report 2019 Always ON. Always IN. Always HERE. +632 8888 1700

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East West Banking Corporation EastWest Corporate Center The Beaufort, 5th Avenue corner 23rd Street Bonifacio Global City Taguig 1634, Metro Manila, Philippines