MANILA, Philippines - The Rizal Commercial Banking Corp. (RCBC) is offering a US dollar senior unsecured fixed rate note is a drawdown off its $1-billion medium term note program. Among its general features are: unsecured senior debt; term of five years and one day; tentative issue date is Jan. 21; to be listed on the Singapore Stock Exchange; and to be used to finance operations and for general corporate purposes, including refinancing of the $250-million, 6.25-percent notes, due Feb. 9. Standard Chartered Bank is the sole lead arranger and bookrunner.