The Nebraska State Bank & Trust Co. Online Banking Service & Mobile App – powered by Fiserv – provides services to users on behalf of Nebraska State Bank & Trust Co. as a service provider. This Privacy Notice, in combination with relevant privacy notices that Nebraska State Bank & Trust Co. provides to you (e.g., pursuant to financial privacy laws), informs you of the policies and practices regarding the collection, use and disclosure of any personal information that the Online Banking Service & Mobile App collects from or about users in connection with our online banking service & mobile application (the “Services”). The specific capabilities of the Services available to you vary depending on Nebraska State Bank & Trust Co. You can find more information about Nebraska State Bank & Trust Co.’s privacy policies and your choices at www.nesb.bank or by contacting Nebraska State Bank & Trust Co.

Depending on the services offered by Nebraska State Bank & Trust Co., the Online Banking Service & Mobile App may allow you to:

get real-time balances for your accounts

manage your money

view your transactions and statements

make transfers

pay your bills and manage billers

pay other people

deposit a check

manage cards

locate branches and ATMs

receive alerts

The Online Banking Service & Mobile App may collect personal information from you in the following ways:

(a) Personal Information You Provide to Us.

The Online Banking Service & Mobile App may collect personal information from you, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you open a new financial account or register for other financial services. Device images/videos may be accessed when you deposit a check or use a QR code to make peer to peer payments using Zelle or other payments functionality. Device contacts may be accessed when you make peer to peer payments using Zelle or other payments functionality. Device location may be accessed to detect and prevent card transaction fraud and also to provide branch and atm locations.

The Online Banking Service & Mobile App may collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.

If you provide feedback or contact the Online Banking Service & Mobile App via email, the Online Banking Service & Mobile App will collect your name and email address, as well as any other content included in the email, in order to send you a reply.

The Online Banking Service & Mobile App also collects other types of personal information that you provide voluntarily, such as any information requested by the Online Banking Service & Mobile App if you contact the Online Banking Service & Mobile App via email regarding support for the Services.

(b) Personal Information Collected from Third Parties. The Online Banking Service & Mobile App may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.

(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:

Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.

Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.

Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.

Local storage technologies, like HTML5 that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.

Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that an email was accessed or opened, or that certain content was viewed or clicked.

Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the Online Banking Service & Mobile App is closed or not in use; for example, to provide our fraud detection services.  If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

(a) General Use. In general, the Online Banking Service & Mobile App uses your personal information to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. The Online Banking Service & Mobile App uses your personal information in the following ways:

facilitate the creation of, secure and maintain your account;

identify you as a legitimate user in the Online Banking Service & Mobile App’s system;

provide improved administration of the Services;

provide the Services you request;

improve the quality of experience when you interact with the Services;

send you administrative e-mail and/or push notifications, such as security or support and maintenance advisories; and

send surveys, offers, and other promotional materials related to the Services.

(b) Compliance and protection. We may use your personal information to:

comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;

protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);

audit our internal processes for compliance with legal and contractual requirements and internal policies;

enforce the terms and conditions that govern the Service; and

prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.

(c) Creation of Non-Identifiable Data. The Online Banking Service & Mobile App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. The Online Banking Service & Mobile App may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance the Online Banking Service & Mobile App’s products and services. The Online

Banking Service & Mobile App reserves the right to use and disclose non-identifiable information to third parties in its discretion.

The Online Banking Service & Mobile App discloses your personal information as described below.

(a) At the Direction of Nebraska State Bank & Trust Co. The Online Banking Service & Mobile App may share your information with Nebraska State Bank & Trust Co. or with third parties at the direction of Nebraska State Bank & Trust Co. Other than as described in this Privacy Notice in connection with the Services, this Privacy Notice does not apply to the processing of your information by Nebraska State Bank & Trust Co. or third parties with whom The Online Banking Service & Mobile App shares information at Nebraska State Bank & Trust Co.’s direction.

(b) Third Party Service Providers. The Online Banking Service & Mobile App may share your personal information with third party or affiliated service providers that perform services for or on behalf of the Online Banking Service & Mobile App, for the purposes described in this Privacy Notice, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the Online Banking Service & Mobile App.

(c) Corporate Restructuring. The Online Banking Service & Mobile App may share some or all of your personal information in connection with or during negotiation of any merger, financing, acquisition or dissolution transaction involving the sale, transfer, divestiture, or disclosure of all or a portion of the Online Banking Service & Mobile App’s business or assets. In the event of an insolvency, bankruptcy, or receivership, personal information may also be transferred as a business asset. If the Online Banking Service & Mobile App’s company, business or assets is acquired by another company, that company will possess the personal information collected by the Online Banking Service & Mobile App and the company will assume the rights and obligations regarding your personal information as described in this Privacy Notice.

(d) Authorities and Others. Regardless of any choices you make regarding your personal information, the Online Banking Service & Mobile App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

The Online Banking Service & Mobile App may contain links to third party websites. When you click on a link to any other website or location, you will leave the Online Banking Service & Mobile App and go to another site and another entity may collect personal and/or anonymous information from you. The Online Banking Service & Mobile App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

You have several choices regarding use of information on the Services.

(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communications. There is currently no standard that governs what, if anything, websites should do when they receive these signals. The Online Banking Service & Mobile App currently does not take action in response to these signals. If and when a standard is established, the Online Banking Service & Mobile App may revise its policy on responding to these signals.

(b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact Nebraska State Bank & Trust Co.

(c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the “unsubscribe” link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under “Contact Us” below. If you provide your phone number through the Services, the Online Banking Service & Mobile App may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.

(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the Online Banking Service & Mobile App.

We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

Federal laws and regulations require that US financial institutions retain original, active and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations and legitimate business needs.

The Services are not directed towards individuals under the age of 18, and the Online Banking Service & Mobile App does not intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to the Online Banking Service & Mobile App and the Online Banking Service & Mobile App learns that the personal information is the information of a child under 18, the Online Banking Service & Mobile App will attempt to delete the information as soon as possible.

This Privacy Notice is subject to occasional revision. Nebraska State Bank & Trust Co. or the Online Banking Service & Mobile App may notify you, in their sole discretion, of any material changes in the Online Banking Service & Mobile App’s collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Notice will be effective thirty (30) calendar days following notice of the changes on the Services or immediately where no notice is given. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify the Online Banking Service & Mobile App prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes (or use of the Services after any such changes) shall indicate your acknowledgement of such changes.

If you have any questions or complaints about this Privacy Notice or the Online Banking Service & Mobile App’s data collection or processing practices, or if you want to report any security violations to The Online Banking Service & Mobile App, please contact Nebraska State Bank & Trust Co. by email at: [email protected]; or by mail at:
Nebraska State Bank & Trust Co.
P.O. Box 688
Broken Bow, NE 68822