Financial Privacy Policy

This policy describes how we collect, share, and protect personal information related to your accounts, in accordance with federal regulations.

Online & Mobile Privacy Notice

This notice explains how we collect and use information through our website, online banking services, and mobile applications, including how analytics and other technologies may be used, subject to your privacy preferences.

Last Updated: May 2026

NebraskaLand Bank (“NebraskaLand Bank,” “we,” “our,” or “us”) values your privacy and is committed to protecting the personal information we collect through our digital services.

This Online and Mobile Privacy Notice explains how we collect, use, disclose, and protect information collected through:

• our public website, including nebraskalandbank.com and related webpages;
• our mobile banking applications and related mobile services;
• online forms, digital communications, and other digital services that link to or reference this Notice.

This Notice applies only to information collected through our online and mobile services. It does not replace or modify any separate privacy notice that NebraskaLand Bank provides under federal law, including our Consumer Privacy Notice for customers of our financial products and services.

1. Information We Collect

Information You Provide to Us

We may collect personal information you voluntarily provide when you:

• submit a contact form or other online form;
• subscribe to updates or communications;
• request information from us;
• communicate with us by email, phone, chat, or other digital channels;
• enroll in, access, or use our mobile banking services;
• apply for, open, or manage accounts or services through our digital platforms.

Depending on the service you use, this information may include:

• name;
• postal address;
• email address;
• telephone number;
• account credentials;
• account number or partial account information;
• debit or credit card information;
• transaction information;
• Social Security number or other government-issued identifier where necessary;
• payment, transfer, and bill pay information;
• information you provide in support requests, feedback, or other communications.

Information Collected Automatically

When you use our website or mobile services, we and our service providers may collect certain information about your device and usage. Some of this information is collected automatically for essential functionality, while analytics or advertising-related data is collected only in accordance with your privacy choices.

• IP address;
• browser type;
• device type;
• operating system;
• device identifiers;
• language settings;
• mobile carrier and network information;
• pages or screens viewed;
• dates and times of access;
• navigation paths and interactions with our website or app;
• referring website or source;
• approximate location derived from IP address or device settings;
• application usage, diagnostics, and performance information.

Information Collected from Third Parties

In connection with mobile banking and certain other services, we or our service providers may collect information from third parties, such as:

• identity verification providers;
• consumer reporting agencies or credit bureaus;
• fraud prevention or risk-management service providers;
• payment and transaction processing partners.

Location Information

If you enable location services on your mobile device and consent when prompted, we may collect location information to support app functionality, fraud prevention, ATM or branch location tools, and other location-dependent services. You can disable location access through your device settings, but some app features may not function properly if you do.

2. Cookies, Pixels, and Similar Technologies

Our website and digital services use cookies, local storage, tags, pixels, software development kits, and similar technologies (“cookies and tracking technologies”) to support functionality, security, analytics, advertising, and performance measurement.

How We Use These Technologies

These technologies help us:

• remember preferences and improve navigation;
• enable essential website functionality and security features;
• understand how visitors use our website and digital services;
• monitor performance and troubleshoot issues;
• measure the effectiveness of communications and marketing efforts;
• recognize returning devices or browsers;
• support fraud prevention, risk management, and system administration.

Types of Technologies We Use

We may use the following categories of cookies and tracking technologies:

• Strictly Necessary Technologies
  Required for website operation, security, fraud prevention, and core functionality. These technologies cannot be disabled because they are essential to provide our services.
• Functional Technologies
  Functional cookies and similar technologies help support optional website features and remember visitor-selected preferences, such as display settings, form-related preferences, or other user-selected options.
• Analytics Technologies
  Used to understand how visitors interact with our website and improve performance and user experience.
• Advertising and Marketing Technologies
  Used to measure marketing effectiveness and, where enabled by NebraskaLand Bank, support advertising or outreach activities. This category may also include certain third-party content or embedded media, such as videos, that uses cookies or similar technologies.

Below is a summary of the categories of cookies and technologies that may be used on our website. Except for strictly necessary technologies, you can choose which categories you allow. Functional technologies are not required for the website’s basic operation. You can choose whether to allow them; disabling them may cause some optional features or saved preferences to work differently or be unavailable.

Third-Party Technologies

We may use or support technologies provided by third-party vendors, including:

• Google technologies such as Google Analytics and Google Tag Manager
• Advertising or measurement technologies, such as Google Ads or similar providers, where enabled, and configured by NebraskaLand Bank
• Other analytics or performance measurement providers

These technologies may collect information such as device identifiers, browsing activity, and interaction data, subject to your privacy preferences.

Your Privacy Choices and Consent

We use a cookie consent management tool that allows you to control how non-essential cookies and tracking technologies are used on our website.

• You may choose to accept, reject, or manage your preferences for analytics and advertising technologies.
• You can update your preferences at any time through the cookie settings tool available on our website.

By default, non-essential technologies, including those used for analytics and advertising, are disabled unless you provide consent.

When you make a selection, your preferences are communicated to our technology providers, including Google, using standardized consent signals that determine whether certain data may be collected or used.

Event-Based Tracking

We may track event-based interactions on our website, such as clicks on:

• Application or account-related links,
• Calculators or tools,
• Phone numbers or email links,
• Login links,
• Branch or ATM locators,
• Mobile app download links, and
• Form submissions.

We do not intentionally transmit the contents of user-entered form fields, such as names, account numbers, or other sensitive information, to analytics or advertising platforms through these interactions.

Managing Cookies

You may also manage cookies through your browser settings.

Please note:

• Disabling certain technologies may impact website functionality, performance, or availability of certain features.

For more information about how Google collects and processes data, please visit:

• Google Privacy & Terms
• Google Ad Settings

3. How We Use Information

We may use personal information collected through our online and mobile services to:

• provide, maintain, and improve our website, mobile app, and digital services;
• establish, authenticate, secure, and service your accounts;
• process transactions, bill payments, transfers, and mobile deposits;
• respond to requests, questions, and customer service inquiries;
• verify identity and prevent fraud, unauthorized activity, and cyber threats;
• monitor usage, troubleshoot problems, and improve performance;
• send service-related notifications, alerts, and administrative communications;
• deliver or measure advertising and marketing activities, where permitted by law and consistent with your privacy preferences;
• comply with legal, regulatory, audit, and recordkeeping requirements;
• protect the rights, safety, security, and property of NebraskaLand Bank, our customers, and others.

We may also create aggregated or de-identified information that does not reasonably identify an individual and use or disclose that information as permitted by law.

4. How We Disclose Information

We may disclose personal information as follows:

Service Providers

We may disclose information to vendors, contractors, and service providers that perform services on our behalf, including providers that support:

• website hosting and maintenance;
• mobile banking technology and app support;
• payment processing;
• account servicing;
• analytics and performance monitoring;
• fraud detection and security;
• customer communications;
• advertising or campaign measurement;
• identity verification and related operational support.

These providers are permitted to use the information only as necessary to provide services to us or as otherwise permitted by law and contract.

Legal, Regulatory, and Security Purposes

We may disclose personal information:

• to comply with applicable law, regulation, legal process, subpoena, examination, or governmental request;
• to protect against fraud, unauthorized transactions, claims, or other liability;
• to enforce our agreements or policies;
• to protect the rights, property, or safety of NebraskaLand Bank, our customers, employees, or others.

Business Transfers

We may disclose information in connection with a merger, acquisition, corporate reorganization, sale of assets, or similar business transaction, subject to applicable law.

Other Privacy Notices

In some cases, the sharing of information related to financial products and services is also governed by separate federal privacy notices provided by NebraskaLand Bank.

5. Third-Party Sites and Services

Our website or app may contain links to third-party websites, apps, tools, or services. If you follow those links or use those third-party services, your information may be collected directly by those third parties under their own privacy policies and terms. NebraskaLand Bank is not responsible for the privacy, security, or content practices of third-party sites or services.

6. Your Choices

You may have the following choices regarding your information:

• Cookie preferences: You may manage your cookie and tracking preferences through our cookie consent tool, where available, or through your browser settings.
• Device permissions: You may manage location, camera, notifications, and similar permissions through your device settings.
• Account information: You may be able to review or update certain profile or account information through your online or mobile banking settings.
• Marketing communications: If you receive marketing emails or text messages from us, you may opt out using the unsubscribe instructions in the message or by contacting us. Service, security, and account-related communications may still be sent where permitted or required.
• Contacting us: You may contact us using the information below regarding questions about your online or mobile privacy choices.

To request closure of your mobile banking access or deletion of app-related personal information we control, please contact us using the information below. Because NebraskaLand Bank is a regulated financial institution, we may retain or continue to use certain information as required or permitted by applicable law, regulation, security, fraud prevention, recordkeeping, or operational needs.

7. Data Retention

We retain personal information for as long as reasonably necessary to:

• provide the services you request;
• maintain and service your accounts;
• comply with legal, regulatory, tax, accounting, audit, litigation hold, and record retention obligations;
• prevent fraud and manage risk;
• resolve disputes and enforce agreements;
• maintain appropriate business and security records.

Retention periods vary depending on the type of information, the service involved, and legal or operational requirements. When personal information is no longer reasonably necessary, we will delete, de-identify, or dispose of it in accordance with our retention practices and applicable law.

8. Security

NebraskaLand Bank uses administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, acquisition, use, alteration, and disclosure. We also require service providers to maintain appropriate safeguards where applicable.

However, no internet transmission, mobile platform, or electronic storage system can be guaranteed to be completely secure. You should use caution when transmitting information electronically and protect your credentials and devices appropriately.

9. Children’s Privacy

Our website and mobile banking services are not directed to children under 13, and we do not knowingly collect personal information online from children under 13 without legally required notice and consent. The Children’s Online Privacy Protection Rule applies to sites and online services directed to children under 13, or where the operator has actual knowledge it is collecting personal information from a child under 13.

10. Changes to This Notice

We may update this Online and Mobile Privacy Notice from time to time. When we do, we will revise the “Last Updated” date above and, where appropriate, provide additional notice through the website, mobile app, or other channels. Your continued use of our online or mobile services after changes become effective constitutes acceptance of the revised Notice to the extent permitted by law.

11. Contact Us

If you have questions about this Online and Mobile Privacy Notice or our digital privacy practices, please contact us at:

NebraskaLand Bank
PO Box 829
North Platte, NE 69103
Phone: 308.534.2100