Last updated February 2026

This Policy explains how we use cookies and similar tracking technologies when a user interacts with Frandsen Bank & Trust online through our websites, mobile applications and digital services (collectively, Sites and Mobile Apps).

Introduction

We have developed this Policy to: (I.) provide you with general information on cookies and other tracking technologies which we will refer to as “cookies”; (II.) identify the specific purposes for processing personal data collected from or by the cookies set on our Sites and Mobile Apps; (III.) explain if and how you can manage cookies settings; and (IV.) inform you about the retention period for personal data collected.

This Policy should be read in conjunction with other relevant privacy and data protection notices.

I. Cookies

A cookie is a small data file created and stored when you visit a website using a computer or mobile device. When you visit a website, a cookie may be used to track your online activities and provide a more consistent, efficient online experience.

We may collect certain information about you through our use of cookies, and other tracking technologies when you use our Sites and Mobile Apps. For example, we identify and store the region where you are located based on your partially masked IP address (which is anonymized immediately thereafter) to direct you to the appropriate location-specific webpage.

II. Categories of Cookies

Below is a list of the types of cookies and tracking technologies used on one or more of our Sites and Mobile Apps.

i. Strictly Necessary, or Essential Cookies

These cookies are necessary for the website to function and cannot be switched off in our systems. They may be in response to actions made by you that amount to a request for services.

1. Cookies that, if disabled, prevent the Sites and Mobile Apps from functioning

2. Load balancing to distribute network traffic across different servers

3. Keeping users logged in while navigating the website using session cookies

ii. Performance

Performance or analytical cookies enable us to measure and improve the performance of our Sites and Mobile Apps. None of this information can be used to identify a specific user.

1. Collecting aggregated and anonymized data to improve functionality and features

2. Measuring the number of unique visitors

3. Tracking tags that log how visitors use a website or app

iii. Preference

Preference cookies enable Sites and Mobile Apps to provide enhanced functionality and personalization by allowing us to remember choices you make. Where a jurisdiction’s Data Protection Authority has issued guidance that prohibits the use of Google Analytics, Google Analytics cookies will not be loaded, nor can be accepted, when the system identifies a user accessing our Sites and Mobile Apps with an IP address from that jurisdiction.

1. Remembering choices from a previous visit or session

2. Setting preferences such as privacy, or language

3. Geolocation, which allows us to determine your location at the time of a location request

iv. Advertising

Advertising cookies and technologies are used to deliver advertisements that may be relevant to you and your interests. Some of our online services also use small, encoded images such as tags and pixels. This information may be shared with other organizations such as advertisers. We present tailored ads to you:

• On our Sites and Mobile Apps through ads that appear as you sign on or off your online accounts

• In offline channels such as direct marketing (for example email, mail, phone)

• On third-party websites not affiliated with Frandsen Bank & Trust

• Marketing pixels that gather information about visitors on a website, including browsing behavior and types of ads clicked

• Advertising partners use cookies to remember that you have visited a site

• Tracking online activity for more relevant advertising –including limiting the number of times you see an advertisement

• Measuring the effectiveness of an advertising campaign

• Interacting with social media platforms

III. Managing Cookies

We comply with local jurisdiction requirements and may disable some of the cookie technologies or you may have the ability to opt in or opt out of certain cookie types through a consent banner.

If you delete cookies, access our Sites and Mobile Apps from a different device or change web browsers, you may be prompted to make your selections again.

When we contract with a third-party provider to manage the content of the information within our Sites and Mobile Apps, third-party providers are required by contract to only use your information for the purposes specified by us and to use reasonable measures to keep your information secure and confidential.

If you leave one of our Sites or Mobile Apps, and navigate to a third-party without a Frandsen Bank & Trust services agreement, you will be presented with a notice that you are continuing to a site that we do not manage or control. The third-party provider is solely responsible for cookies, cookie tracking and your choices for managing cookies on their site.

Personal data of users who visit our Sites and Mobile Apps and/or use our services may be transferred or processed in any jurisdiction where we have facilities or in which we engage service providers, including the United States. Any such transfer shall be undertaken in accordance with applicable data protection law and our privacy notices.

IV. Cookie Retention

Cookies have a duration period. Some cookies are temporary (session cookies), while others may stay on your browser until you delete them manually or until your browser deletes them based on the duration set within the cookie (persistent cookie).

We will retain personal information collected through cookies for as long as needed or permitted considering the purpose(s) for which it was obtained. The criteria used to determine our retention periods includes the purpose for which the personal data was collected, whether there is a legal obligation to which we are subject and whether retention is advisable considering our legal position (such as regarding applicable statutes of limitations, litigation, or regulatory investigations).

This Cookie Policy is subject to change from time to time. When we make changes, we will post the revised Policy on this page with a new “Last Updated” date.

Contact Us

If you have any questions or complaints about this Cookie Policy or please contact Frandsen Bank & Trust at 877.213.5172 or by mail at:

Frandsen Bank & Trust
PO Box 200
Lonsdale, MN 55046