During this challenging and uncertain time, our goal at Northern Bank is to provide the high level of service and support that we have delivered for the past 60 years. We know this current situation has not only impacted your everyday lives, it has also put an economic strain on many of our business and consumer customers.

Over the past several months, Northern Bank has been monitoring the official information and taking actions to respond to the rapidly evolving public health situation. As always, the health, safety and well-being of our customers, employees and community are our top priority.

Northern Bank's temporary branch hours are Mon - Fri 9AM - 4PM and Sat 9AM - 12PM for service available via drive-up, by appointment and in our branch lobbies.

COMMITTED TO SUPPORTING OUR CUSTOMERS

**Effective June 29^th, Northern Bank branch lobbies have re-opened. While we recognize the need to come into the branch for certain transactions, we encourage you to continue to use drive-up service, except at Burlington and Melrose locations, to minimize contact with others. And remember, mobile, online banking, and our ATM network are all available to you 24/7.

Our hours will continue to be Monday to Friday: 9am – 4pm and Saturday 9am – 12pm. You can also continue to schedule an appointment during branch hours. Just call your local branch to arrange a time that works for you.

If you need to visit us in-person, we are open and ready to greet you with the friendly and efficient service you've come to expect from us. In order to keep all customers and employees safe, please note the following changes:

We may need to limit the number of customers allowed in the branch. If we reach capacity, we may ask you to wait just outside the door until another customer exits.Floor markings have been placed in all branch lobbies to assist you in keeping the recommended distance of six feet from others.In accordance with the CDC, we ask that anyone entering the lobby wear a mask or face covering, unless unable to do so due to a medical condition. Our employees will be wearing them, too.You may be asked to briefly remove your mask and produce your identification so that we can properly identify you during a transaction. If you’re not comfortable doing so, that’s okay, but you may then be asked to provide additional identifying information that can help us ensure your financial safety by protecting your accounts.Branches are cleaned daily by a professional cleaning service and commonly used surfaces continue to be cleaned regularly. Hand sanitizer is also available for use at all branches.For the safety of our employees and other customers, we ask that customers refrain from entering our branch offices if any of the following apply:

• You or someone in your household is being observed for or has COVID-19 (Coronavirus) or

• You or someone in your household is experiencing or has in the last 14 days any COVID-19 symptoms as identified by the CDC (runny nose, sore throat, fever of 100.4 or more).

ALTERNATIVE WAYS TO IN-BRANCH BANKING

We strongly encourage you to use Northern Bank's mobile app, online banking or ATMs for self-service and 24/7 account access.

Mobile Banking

• Schedule bill payments and manage payees
• Transfer funds between your Northern Bank accounts
• Mobile deposit
• Payment approvals for ACH and wires (Business Mobile Banking only)
• View check and deposit images (Business Mobile Banking only)

Online Banking

• Open a Deposit Account
• View check and deposit images
• Schedule bill payments and manage payees
• Transfer funds between your Northern Bank accounts
• Set alerts
• View statements online
• Quickbooks integration (Business Online Banking only)
• Multiple user access (Business Online Banking only)
• Request wire transfers (Business Online Banking only)

Northern Bank Contact Center

You can email the Contact Center at ContactCenter@nbtc.com or call us at 1-800-273-6908.

Drive-Up Teller Window & ATMs

Drive-up Teller Windows are available at 10 of our 12 branches. Here is a complete list of ATMs, branch locations, and drive-up Teller hours.

SCAM ALERT
We would like to remind you that hackers and scammers are using this opportunity to take advantage of unsuspecting businesses and consumers.

• Be Abundantly Cautious When Donating

Be sure to research any charitable foundation related to the virus. Do not provide any charity or disease research company with any prepaid cards or gift cards.

• Be Wary of Online Phishing Attempts

Websites that contain the word "coronavirus" or "covid-19" are more susceptible to being a scam. Only click on links that you know are legitimate.

• Be Wary of Fake Products

The FTC and FDA have already issued warning letters to several companies for selling false products including colloidal silver, essential oils, and teas.

UPDATE FROM FTC

The Federal Trade Commission (FTC) has preemptively offered guidance for the American people regarding checks that may be distributed for financial relief due to the virus.

1. The government will not ask you to pay anything up front to get this money. No fees. No charges. No nothing.
2. The government will not call to ask for your Social Security number, bank account, or credit card number. Anyone who does is a scammer.
3. These reports of checks aren’t yet a reality. Anyone who tells you they can get you the money now is a scammer.

As always, we thank you for your patience and understanding, especially during this challenging period. We value the opportunity to serve you here at Northern Bank.

If you have questions or need additional assistance, feel free to email us at ContactCenter@nbtc.com or call us at 1-800-273-6908.