Important Bank Disclosures

Terms of Use

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by the Bank for the sole purpose of conveying information about the Bank's products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank's agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank's agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Nebraska.

USA PATRIOT ACT

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH UNITED REPUBLIC BANK

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.

Addendum to Privacy Notice

 Effective Date: March 1, 2026

The privacy and security of your information is very important to United Republic Bank(“URB”, “we”, “us”, “our”). We are deeply committed to maintaining industry standard levels of security that comply with applicable federal and state laws to help protect the personal information that we collect.

This Addendum to Privacy Notice applies to your interaction and communication with URB, including, without limitation, in person, by phone, through mail or email or through any online or mobile site, application or social media account that URB owns and controls (collectively, “Sites”).

This Addendum to Privacy Notice applies only to the Sites and does not extend to other websites, including websites owned and controlled by our partners or third-party websites for which we have provided links, or to any social media platforms, which are governed by their own terms of use and privacy policies.

Information we collect and the sources from which we collect it:

We collect the below categories of information directly and indirectly from individuals and the parties with which we do business in a variety of ways, including in person, by phone, through mail or email and through our Sites. These may include parties that interact with us directly (our customers or individuals that apply for our products, respond to our surveys, request information about our products or services or otherwise voluntarily provide us with their information), parties to which we provide goods or services, parties that provide goods or services to us and other parties with whom we offer or provide products and services.

We may collect and store the following types of information:

• Identifiers, such as name, address, email address, phone number, date of birth, social security number, taxpayer ID, driver’s license number, passport number, government ID or IP address.

• Protected classification characteristics, such as race, color, national origin, marital status, sex, veteran or military status.

• Geolocation data, such as physical location or movements.

• Commercial information, such as organizational information, records of personal property or purchasing history.

• Internet or other similar network activity, such as browser information, search history, device type or service provider information.

• Personal records, such as family history or power of attorney.

• Information that you provide by filling in forms or providing other contributions on our Sites, through email or over the phone.

• Information received from a government entity or other third party.

• Records and copies of your correspondence (including email addresses), if you contact us.

• Responses to surveys.

• Details of transactions you carry out through our Sites, such as, financial information, account information, credit information or transactional information.

• Account information when you register for an account on our Sites.

• Any other information that you provide to us.

Further, we and our service providers may use various tracking technologies, including cookies, to collect information about you when you interact with our Sites, including information about your browsing and viewing behavior. Cookies are small data files stored on your hard drive or in device memory that help us improve the Sites and your experience, see which areas and features of the Sites are popular and count visits. In addition, when you access or use the Sites, our servers automatically record certain log file information, such as your Internet Protocol address, operating system, browser type and language, referring URLs, access times, pages viewed, links clicked and other information about your activities on the Sites.

URB Mobile Applications

URB provides access to products and services through mobile applications and mobile-optimized websites ("Mobile Applications").  When you use these Mobile Applications, we may collect additional information including:

• Device information (unique identifiers, screen resolution, settings)

• Location data, including precise geo-location

• Analytics regarding Mobile Device usage

• Other Mobile Device information (contacts, photos, camera access)

We will request your permission before collecting sensitive information (geo-location, photos, contacts) or accessing other applications (camera) on your device as may be required by law or third-party requirements.  Please note that denying permission to access certain features or information may limit functionality within the Mobile Application.  For example, remote deposit capture may require camera access to function properly.

Children’s Online Privacy Protection Act:

We recognize that protecting children's identities and privacy is important. We do not knowingly market to or solicit information from children under thirteen (13) without the affirmative consent required under applicable law. If you are under thirteen (13), do not use or provide any information on our Sites or on or through any of its features or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or username you may use. If you believe that we have collected personal information from children under thirteen (13), please contact us at info@unitedrepublic.bank.

Changes to this Addendum to Privacy Notice:

We may change this Addendum to Privacy Notice at any time. The most current version of this Addendum to Privacy Notice will be posted and available on the Sites. Any changes to this Addendum Privacy Notice will be effective at the time we post the revised Addendum to Privacy Notice to the Sites. If we make material changes to how we treat your information, we will notify you through a notice on our Sites home page. Please review it periodically. Your use of the Sites following any changes made means that you accept the revised Addendum to Privacy Notice.

Contact Information:

If you have any questions or comments about this Addendum to Privacy Notice, please do not hesitate to contact us at:

Website: www.unitedrepublic.bank
Email: info@unitedrepublic.bank

United Republic Bank
111 N 181st Street
Elkhorn, NE 68022