Privacy Policy

Please note that all Northern Bank branches and the Contact Center will be closing early on Tuesday, December 24, at 2:00 PM EST for Christmas Eve. The cutoff time for wire transfers on December 24 will be 1:00 PM EST. We will also be closed on Wednesday, December 25, for Christmas. As always, mobile banking, online banking and our ATM network are available to you 24/7. Happy Holidays from Northern Bank!

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Last Revised: September 2024

FACTS	What Does Northern Bank Do With Your Personal Information?
*Why?*	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
*What?*	The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • Account Balances and transaction history • Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
*How?*	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Northern Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Northern Bank share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes - information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For non-affiliates to market to you	No	We don’t share

To limit our sharing
• Call toll free at 800-273-6908-press 0 to speak to a customer service representative during business hours, or • Access your account at NBTC.com/login or on our mobile banking app. Sign into your account and select Customer Service, Contact Us, and send a message to our customer contact center Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

To limit our sharing

• Call toll free at 800-273-6908-press 0 to speak to a customer service representative during business hours, or
• Access your account at NBTC.com/login or on our mobile banking app. Sign into your account and select Customer Service, Contact Us, and send a message to our customer contact center

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Questions?
Call toll free (800) 273-6908 or contact us at NBTC.com

WHO WE ARE
Who is providing this notice?	Northern Bank & Trust Company ("Northern Bank"), including its affiliates as listed below
WHAT WE DO
How does Northern Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We maintain physical, electronic, and procedural safeguards to protect personal information. We restrict access to those who have a business reason. We educate our employees on the importance of confidentiality.
How does Northern Bank collect my personal information?	We collect your personal information, for example, when you: • Open an account or apply for a loan • Use your credit or debit card to provide account information • Make deposits or withdrawls from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: • Sharing for affiliates’ everyday business purposes - information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account-unless you tell us otherwise.
DEFINITIONS
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include financial companies such as Northern Home Loans.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Northern Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include investment, insurance service, and credit card companies.
OTHER IMPORTANT INFORMATION:
The Bank has standards and practices to ensure compliance with the provisions of M.G.L. chapter 93H relative to the safeguarding of the personal information of residents of the Commonwealth of Massachusetts.

MOBILE PRIVACY DISCLOSURE

This Northern Bank Mobile Banking (the 'App) Privacy Disclosure ("Mobile Privacy Disclosure") informs you of the policies and practices regarding the collection, use and disclosure of any personal information we and our service collect from or about customers in connection with the 'Mobile App'. By using or downloading Northern Bank Mobile Banking, you agree to the terms and conditions set forth in the Privacy Disclosure.

Facts	What Does Northern Bank Do With Your Personal Information From The Mobile Application?
*Why?*	The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account. It is important for you to understand that: • Before granting access to this information, you will be prompted to give the application that permission. • If you do not wish to grant that permission, you may decline. • If you later change your mind, those permissions can be updated in your device's settings.
*What?*	Some examples of information our mobile application will request access to are: • Location • Contacts • Camera • Unique device identifier
*How?*	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings, as well as oversight of our third-party providers to ensure personal information remains confidential and secure. In the event of a data breach, we provide timely notification, in accordance with applicable laws. We also recognize the importance of protecting privacy where children are involved. Our mobile applications are not marketed to individuals under the age of 13, and we request that these individuals do not provide personal information through our applications. We do not knowingly collect or use personal information from children under 13. The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.
*Questions?*	Please contact Northern Bank's Contact Center at 800-273-6908 (Option 0) or email us at contactcenter@nbtc.com regarding questions about the information included in this Mobile Privacy Disclosure or questions about our mobile application.