DATA PRIVACY NOTICE

First Isabela Cooperative Bank (FICOBank) respects your right to privacy and is committed to protecting your personal data in accordance with the Data Privacy Act of 2012 (Republic Act No. 10173), its Implementing Rules and Regulations, and issuances of the National Privacy Commission (NPC).

1. Collection of Personal Data

FICOBank collects personal and sensitive personal information when you open or maintain an account, apply for loans or other banking products, act as a guarantor or third-party security provider, or otherwise transact with the Bank. These data may include personal details, contact information, identification details, financial and transaction records, and other information required by law or banking regulations.

2. Purpose of Processing

Your personal data are processed for legitimate purposes, including but not limited to:

• Account opening, maintenance, and transaction processing
• Credit evaluation, loan processing, and collection
• Customer identification, verification (KYC), and risk management
• Compliance with banking, anti-money laundering, tax, and other regulatory requirements
• Fraud prevention, audit, and security monitoring
• Customer service and relationship management

3. Data Sharing

Personal data may be shared with regulators, government agencies, auditors, service providers, financial institutions, and other parties as required by law or necessary to provide banking services. All data sharing is subject to confidentiality and data protection requirements.

4. Data Retention

Personal data are retained only for as long as necessary to fulfill the stated purposes and to comply with applicable laws and regulations. Data may be retained beyond account closure when required by law or for the resolution of legal, regulatory, or audit matters.

5. Data Protection Measures

FICOBank implements reasonable and appropriate organizational, physical, and technical security measures to protect personal data against unauthorized access, loss, misuse, alteration, or disclosure.

6. Rights of the Data Subject

In accordance with the Data Privacy Act, you have the right to be informed, access your personal data, request correction, object to processing, and request the blocking or deletion of your personal data, subject to legal limitations.

7. Contact Information

For inquiries, concerns, or requests regarding your personal data, you may contact:

Wendie C. Gumpal
Data Protection Officer- FICOBANK
Email: dpo@ficobank.com
Contact No.: 0915-691-3741

8. Amendments

FICOBank may update this Privacy Notice from time to time to reflect changes in laws, regulations, or Bank policies. Continued use of the Bank’s services constitutes acceptance of the updated Privacy Notice.