CERTIFICATE OF CURRENT EMPLOYMENT

March 10, 2019

TO WHOM THIS MAY CONCERN:

This is to certify that JHANIKKA SALCEDA RAMOS is an employee of BANK OF THE PHILIPPINE
ISLANDS, BPI Group of Companies, from July 16, 2017 to present. She is currently assigned at
RETAIL BANKING GROUP as JUNIOR SPECIALIST.

Her annual salary is Php282,400.00, excluding benefits.

This certification is issued for whatever legal purpose it may serve.

MICHAEL D. CALLEJA
CHIEF HUMAN RESOURCES OFFICER

The information on this document conforms to our existing payroll data as of the issue
date indicated above.

This employment certification is issued by BPI in accordance with the Service Agreement
for centralized HR services with all companies of the BPI Group of Companies.

Illegal alteration or use of this document for purposes that are not authorized under the
policy on issuance and use of certificates of employment will subject the employee to
appropriate disciplinary action, without prejudice to other penalties as may be provided
by law.

This is electronically generated and signed, but is considered an original document issued by the Bank.