Document:

1997 Deferred Compensation Plan

 Exhibit 10(xvii) 
 NORTHERN TRUST CORPORATION 
 1997 DEFERRED COMPENSATION PLAN FOR 
 NON-EMPLOYEE DIRECTORS 
 AS AMENDED
AND RESTATED 
 Northern Trust Corporation, a Delaware corporation (the “Corporation”) maintains the Northern Trust Corporation
1997 Deferred Compensation Plan for Non-Employee Directors, as previously amended April 15, 1997 and effective as of January 21, 2003 (the “Plan”). 
 In exercise of the amending power reserved to the Corporation under Section 6(a) of the Plan, and pursuant to the authority delegated to the undersigned officer by resolutions of the Board of Directors of the
Corporation dated November 13, 2007, the Corporation now hereby further amends and restates the Plan, generally effective January 1, 2008 (with such other effective dates as are noted herein), to comply with Section 409A of the
Internal Revenue Code of 1986, as amended, (the “Code”) and regulations and guidance thereunder. 
  

	1.	Name. This Plan shall be known as the “Northern Trust Corporation 1997 Deferred Compensation Plan for Non-Employee Directors As Amended and Restated” (the
“Plan”). 

  

	2.	Definitions. The following definitions shall apply in interpreting the Plan: 

  

	 	(a)	The term “Beneficiary” shall mean such individual, trustee, trust or other entity designated by a Non-Employee Director by an instrument in writing last filed with the
Corporation prior to death to receive all or any portion of his or her Cash Account and Stock Unit Account, and all cash or Common Stock distributable hereunder with respect to such Non-Employee Director following the date of his or her death. In
the absence of such a designation of any living Beneficiary, or if such designation is ineffective for any reason, the Non-Employee Director’s Beneficiary shall be his or her spouse, or if not then living, his or her then living descendants,
per stirpes, or if none is then living, the personal representatives of the Non-Employee Director’s estate. 

  

	 	(b)	The term “Board” shall mean the Board of Directors of the Corporation. 

  

	 	(c)	The term “Cash Account” shall have the meaning set forth in Section 4(b). 

  

	 	(d)	The term “Committee” shall mean the Compensation and Benefits Committee of the Board. 

  

	 	(e)	The term “Common Stock” shall mean the common stock, $1.66-2/3 par value per share, of the Corporation. 

  

	 	(f)	The term “Corporation” shall mean Northern Trust Corporation, a Delaware corporation. 

	 	(g)	The term “Election Form” shall have the meaning set forth in Sections 3(b) and (c). 

  

	 	(h)	The term “Non-Employee Director” shall mean a person who is serving as a member of the Board and is not an employee of the Corporation or any subsidiary or affiliate of
the Corporation. 

  

	 	(i)	The term “Post-2004 Benefit” shall mean the portion of a Non-Employee Director’s Cash Account and Stock Unit Account equal to the excess of (1) the balance of
the Non-Employee Director’s Accounts, determined as of his or her date of Separation from Service after December 31, 2004, over (2) the Non-Employee Director’s Pre-2005 Benefit. 

  

	 	(j)	The term “Pre-2005 Benefit” shall mean the portion of a Non-Employee’s Cash Account and Stock Unit Account deferred on or before December 31, 2004, adjusted to
reflect interest, earnings, and gains and losses credited to such Accounts from and after such date. An amount is considered deferred on or before December 31, 2004 if on or before that date the Non-Employee Director had a legally binding right
to be paid the amount and the right to the amount was earned and vested. 

  

	 	(k)	The term “Separation from Service” shall mean the date on which a Non-Employee Director dies or otherwise terminates his or her membership on the Board.

  

	 	l)	The term “Stock Unit Account” shall have the meaning set forth in Section 4(a). 

  

	3.	Participation. 

  

	 	(a)	A Non-Employee Director may elect to defer receipt of the payment of all or any portion of: (i) the annual cash retainer fee payable for services as a Director or (ii) any
cash fees payable for attendance at a Board committee meeting or for any other service provided to the Corporation, in each case until the date on which the Non-Employee Director incurs a Separation from Service. Such deferral election must be set
forth in an election form (the “Election Form”) provided by the Corporation. 

 In 1997, the Plan also permitted a
Non-Employee Director to elect to defer the annual stock grant under the Northern Trust Corporation 1997 Stock Plan for Non-Employee Directors, in accordance with the terms of the Plan in effect at that time. 
  

	 	(b)	 To be effective, an Election Form with respect to compensation described in Section 3(a)(i) or 3(a)(ii) for services performed by a Non-Employee Director in a
particular calendar year must be completed and delivered to the Corporation prior 

  

 - 2 - 

	 	 
to the first day of such calendar year. An Election Form shall remain in effect for subsequent calendar years until revised or revoked by the Non-Employee
Director by the completion and delivery to the Corporation of an Election Form setting forth such revision or revocation prior to the first day of the calendar year in which such revision or revocation is to become effective. Effective as of
January 1, 2005, any election shall become irrevocable as of each December 31 with respect to compensation payable for services performed in the immediately following calendar year. Except as provided in Section 3(c) below, an initial
or revised Election Form shall only apply to compensation payable to a Non-Employee Director for services performed after the end of the calendar year in which such initial or revised Election Form is completed and delivered to the Corporation.

  

	 	(c)	Anything in the Plan to the contrary notwithstanding, an election with respect to compensation described in Section 3(a)(i) or 3(a)(ii) made by a Non-Employee Director in the
calendar year in which the Non-Employee Director initially becomes eligible to participate in the Plan, and that is not made under Section 3(b), must be made pursuant to an Election Form completed and delivered to the Corporation within 30 days
after the date on which the Non-Employee Director initially becomes eligible to participate in the Plan. Such Election Form shall be effective with respect to compensation described in Section 3(a)(i) or 3(a)(ii) that is paid for services to be
performed by the Non-Employee Director after the date such Election Form is completed and delivered to the Corporation and shall be irrevocable with respect to such compensation upon completion and delivery of such Election Form to the Corporation.
Such Election Form shall remain in effect and become irrevocable for subsequent calendar years in accordance with Section 3(b) above. On and after January 1, 2005, a Non-Employee Director shall not be considered initially eligible to
participate in the Plan for purposes of this Section 3(c) if, on the date he or she becomes eligible to participate, he or she participates in any other nonqualified elective account balance plan that is subject to Code Section 409A and
maintained by the Corporation or any subsidiary or affiliate of the Corporation. 

  

	4.	Deferral Accounts. 

  

	 	(a)	All cash compensation deferred by a Non-Employee Director pursuant to Section 3 shall be credited to a stock unit account (“Stock Unit Account”) maintained by the
Corporation on its books in the name of the participating Non-Employee Director and converted into stock units equivalent to full shares of the Corporation’s Common Stock as of the last trading day of the calendar quarter for which the cash
compensation would have been paid. The conversion shall be determined by dividing the dollar amount of the cash compensation as of such quarterly date by the mean of the high and low sale prices of the Corporation’s Common Stock as reported by
the Nasdaq Stock Market on such quarterly date. Any cash balance remaining after any such conversion shall be credited to the Cash Account of a Non-Employee Director as provided in Section 4(b) below. 

  

 - 3 - 

 The shares of Common Stock representing a stock grant under the Northern Trust Corporation 1997 Stock
Plan for Non-Employee Directors which were deferred by a Non-Employee Director pursuant to Section 3 were credited to a Stock Unit Account and converted into stock units as of the date of the annual meeting of stockholders on which the stock
was granted. 
  

	 	(b)	The Corporation also shall maintain a cash account (“Cash Account”) on its books in the name of each participating Non-Employee Director. Credits shall be made to a
participating Non-Employee Director’s Cash Account in dollar amounts equal to (i) the cash balance remaining after any conversion pursuant to Section 4(a) above, and (ii) the cash dividends (or the fair market value of dividends
paid in property other than Common Stock) that the Non-Employee Director would have received had the Non-Employee Director been the owner on each record date of the number of shares of Common Stock equal to the number of stock units in such
Non-Employee Director’s Stock Unit Account on such date. Until the entire balance of a Cash Account has been paid to a Non-Employee Director, or to the Beneficiaries of a deceased Non-Employee Director, such balance shall be increased on the
last day of each calendar quarter to reflect accrued interest on such balance based on the rate of interest determined from time to time by the Committee. 

  

	 	(c)	In the case of a dividend in Common Stock or a Common Stock split, additional credits will be made to a Non-Employee Director’s Stock Unit Account of a number of stock units
equal to the number of full shares of Common Stock that the Non-Employee Director would have received had the Non-Employee Director been the owner on each record date of the number of shares of Common Stock equal to the number of stock units in such
Non-Employee Director’s Stock Unit Account on such date. 

  

	 	(d)	Each Stock Unit Account and each Cash Account shall be maintained on the books of the Corporation until full payment of the balance thereof has been made to the applicable
Non-Employee Director or to the Beneficiaries of a deceased Non-Employee Director. No funds shall be set aside or earmarked for any Account, which shall be purely a bookkeeping device. 

  

	5.	Distribution of Accounts. 

  

	 	(a)	The entire balance of a Non-Employee Director’s Stock Unit Account and Cash Account shall be paid to such Non-Employee Director 

  

	 	(i)	in a single lump sum on the 10th business day following the date the Non-Employee Director incurs a Separation from Service for any reason other than his or her death, or

  

	 	(ii)	in up to 10 annual installments beginning on the 10th business day following the date the Non-Employee Director incurs a Separation from Service for any reason other than his or her
death, as irrevocably designated by the Non-Employee Director. 

  

 - 4 - 

	 	(iii)	With respect to a Non-Employee Director’s Post-2004 Benefit, the Non-Employee Director shall make or shall have made such irrevocable designation as follows:

  

	 	(A)	With respect to the portion of the Post-2004 Benefit that constitutes compensation described in Section 3(a)(i) or 3(a)(ii) and for which either a deferral election was made
before January 1, 2005, or an initial deferral election was made on or after January 1, 2005 and before December 31, 2005 in accordance with Section 3(c), the Non-Employee Director made such irrevocable designation in an Election
Form that was completed and delivered to the Corporation on or before December 31, 2005, in accordance with Code Section 409A and guidance issued thereunder. Any such designation became irrevocable upon completion and delivery of such
Election Form to the Corporation. 

  

	 	(B)	With respect to the portion of the Post-2004 Benefit that constitutes compensation described in Section 3(a)(i) or 3(a)(ii) and that is not described in
Section 5(a)(iii)(A), the Non-Employee Director shall make such irrevocable designation in the Election Form completed and delivered to the Corporation in accordance with Section 3(b) or 3(c), as applicable. Any such designation shall
become irrevocable upon the completion and delivery of such Election Form to the Corporation. 

  

	 	 (iv)
	 Anything in the Plan to the contrary notwithstanding, if a Non-Employee Director has not designated a form of payment
for some portion of his or her Stock Unit Account or Cash Account on the date he or she incurs a Separation from Service for any reason other than his or her death, that portion of the Non-Employee Director’s Stock Unit Account and Cash Account
shall be paid to the Non-Employee Director in a single lump sum on the 10th business day following the date of such Separation from Service.

  

	 	 (b)
	 If a Non-Employee Director incurs a Separation from Service due to death or his or her death occurs after Separation
from Service but before payment to him or her of the entire balance of his or her Stock Unit Account and Cash Account, all or the remaining balance of his or her Stock Unit Account and Cash Account shall be paid to such Non-Employee Director’s
Beneficiaries in a lump sum on, or in up to 10 annual installments beginning on, the 10th business day following the date of death, as irrevocably elected
by such Non-Employee Director pursuant to 

  

 - 5 - 

	 	 
Section 5(a) prior to, and in effect on, the date of his or her death. If no such designation is in effect for some portion of the Non-Employee
Director’s Stock Unit Account or Cash Account on the date of his or her death, that portion of the Non-Employee Director’s Stock Unit Account and Cash Account shall be paid to his or her Beneficiaries in a single lump sum on the 10th
business day following the date of such Non-Employee Director’s death. 

  

	 	(c)	Except as provided in Section 5(d) below, the balance of a Non-Employee Director’s Stock Unit Account shall be distributed in cash. In the event of a single lump sum
distribution in cash, the Non-Employee Director or the Beneficiaries of a deceased Non-Employee Director shall receive an amount in cash equal to the number of stock units in the Stock Unit Account multiplied by the mean of the high and low sales
prices of the Common Stock as reported by the Nasdaq Stock Market on the fifth trading day prior to the distribution date. In the event of a distribution in cash in up to 10 annual installments, the cash amount determined in the manner provided in
the immediately preceding sentence shall continue to accrue interest and shall be distributed to the Non-Employee Director or the Beneficiaries of a deceased Non-Employee Director on the distribution date in each year of the installment period in an
amount equal to the then current cash balance in the Stock Unit Account multiplied by a fraction, the numerator of which shall be one, and the denominator of which shall be the number of years remaining in the installment period.

  

	 	(d)	Stock units in the Stock Unit Account representing the deferral of shares of Common Stock under the Northern Trust Corporation 1997 Stock Plan for Non-Employee Directors shall be
distributed only in shares of Common Stock. In the event of a single lump sum distribution in Common Stock, a certificate representing the number of full shares of Common Stock equal to the number of such stock units in the Non-Employee
Director’s Stock Unit Account representing the deferral of shares of Common Stock under the Northern Trust Corporation 1997 Stock Plan for Non-Employee Directors, registered in the name of the Non-Employee Director or the Beneficiaries of a
deceased Non-Employee Director, shall be distributed to the Non-Employee Director or the Beneficiaries of a deceased Non-Employee Director on the distribution date referred to in Section 5(a) above. In the event of a distribution in Common
Stock in up to 10 annual installments, a certificate representing the number of full shares of Common Stock equal to a fraction (the numerator of which shall be the number of stock units in the Non-Employee Director’s Stock Unit Account
representing the deferral of shares of Common Stock under the Northern Trust Corporation 1997 Stock Plan for Non-Employee Directors, and the denominator of which shall be the number of annual installments designated by the Non-Employee Director),
registered in the name of the Non-Employee Director or the Beneficiaries of a deceased Non-Employee Director, shall be distributed to the Non-Employee Director or the Beneficiaries of a deceased Non-Employee Director on the distribution date in each
year of the installment period, provided that the number of shares in each of the installments may be rounded to avoid fractional shares. 

  

 - 6 - 

	 	(e)	The balance of a Non-Employee Director’s Cash Account shall be distributed in cash. In the event of a single lump sum distribution in cash, the entire balance of the
Non-Employee Director’s Cash Account shall be distributed to the Non-Employee Director or the Beneficiaries of a deceased Non-Employee Director on the distribution date described in Section 5(a) above. In the event of a distribution in
cash in up to 10 annual installments, the balance of the Cash Account shall continue to accrue interest and shall be distributed to the Non-Employee Director or the Beneficiaries of a deceased Non-Employee Director on the distribution date in each
year of the installment period in an amount equal to the then current balance in the Cash Account multiplied by a fraction, the numerator of which shall be one, and the denominator of which shall be the number of years remaining in the installment
period. 

  

	6.	Amendment or Termination. 

  

	 	(a)	The Corporation intends the Plan to be permanent but reserves the right to amend or terminate the Plan when, in the sole opinion of the Corporation, such amendment or termination is
advisable. Any such amendment or termination shall be made pursuant to a resolution of the Board and shall be effective as of the date of such resolution or such later date as the resolution may expressly state. 

  

	 	(b)	No amendment or termination of the Plan shall (i) directly or indirectly deprive any current or former Non-Employee Director or any Beneficiaries, of all or any portion of such
Non-Employee Director’s Stock Unit Account or Cash Account as determined as of the effective date of such amendment or termination, or (ii) directly or indirectly reduce the balance of any such Accounts held hereunder as of the effective
date of such amendment or termination. Upon termination of the Plan, distribution of all Pre-2005 Benefits shall be made to Non-Employee Directors or their Beneficiaries in the manner and at the time described in Section 5 as if each
Non-Employee Director incurred a Separation from Service on the date of Plan termination. Upon termination of the Plan, distribution of all Post-2004 Benefits shall be made to Non-Employee Directors or their Beneficiaries in the manner and at the
time described in Section 5; provided, however, that if permitted under Code Section 409A and regulations and guidance issued thereunder, such payments shall be made as described in Section 5 as if such Non-Employee Director incurred
a Separation from Service on the date of Plan termination. No additional deferrals shall be credited to the Accounts of Non-Employee Directors after termination of the Plan, but the Corporation shall continue to credit interest, earnings, gains and
losses to the Accounts pursuant to Section 4 until the balances of such Accounts have been fully distributed to Non-Employee Directors or their Beneficiaries. 

  

	 	(c)	Anything in the preceding Sections 6(a) or 6(b) or elsewhere in the Plan to the contrary notwithstanding, 

  

 - 7 - 

	 	(i)	the Plan may be amended in any manner necessary to ensure that the Plan complies in all applicable respects with Code Section 409A; and 

  

	 	(ii)	the Plan may not be amended in any manner that would cause the Plan to fail to comply in any applicable respect with Code Section 409A. 

  

	7.	General Provisions. 

  

	 	(a)	The Plan at all times shall be entirely unfunded and no provision shall at any time be made with respect to segregating any assets of the Corporation for payment of any benefits
hereunder. The right of a Non-Employee Director or the Beneficiaries of a deceased Non-Employee Director to receive a benefit hereunder shall be an unsecured claim against the general assets of the Corporation, and neither the Non-Employee Director
nor such Beneficiaries shall have any rights in or against any specific assets of the Corporation. All amounts credited to Accounts shall constitute general assets of the Corporation. 

  

	 	(b)	Shares of Common Stock distributed under the Plan may be authorized but unissued shares or treasury shares of the Corporation. The Corporation shall reserve such number of shares of
Common Stock as may be issuable under the Plan. 

  

	 	(c)	Nothing contained in the Plan shall constitute a guaranty by the Corporation, the Committee, or any other person or entity, that the assets of the Corporation will be sufficient to
pay any benefit hereunder. No Non-Employee Director or the Beneficiaries of a deceased Non-Employee Director shall have any right to receive a distribution under the Plan except in accordance with the terms of the Plan. 

  

	 	(d)	Establishment of the Plan shall not be construed to give any Non-Employee Director the right to be retained as a member of the Board. 

  

	 	(e)	No interest of any person or entity in, or right to receive a distribution under, the Plan, shall be subject in any manner to sale, transfer, assignment, pledge, attachment,
garnishment, or other alienation or encumbrance of any kind; nor may such interest or right to receive a distribution be taken, either voluntarily or involuntarily, for the satisfaction of the debts of, or other obligations or claims against, such
person or entity, including claims for alimony, support, separate maintenance and claims in bankruptcy proceedings. 

  

	 	(f)	The Plan shall be administered by the Secretary of the Corporation. 

  

	 	(g)	 A Non-Employee Director may pay any applicable taxes due with respect to any shares distributed under the Plan in cash or in stock, either by having the 

  

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Corporation withhold a portion of the shares otherwise distributable or by delivering to the Corporation shares otherwise owned by the Non-Employee Director.

  

	 	(h)	The Plan shall be construed and administered under the laws of the State of Delaware except to the extent preempted by federal law. 

  

	 	(i)	Any election, notice, direction or other such action required or permitted to be made in writing under the Plan may also be made electronically, telephonically or otherwise, to the
extent then permitted by applicable law and the administrative practices of the Corporation. 

  

	 	(j)	Where appropriate, the terms “Corporation,” “Committee” or “Secretary of the Corporation” as used in this Plan shall also include any applicable
subcommittee or any duly authorized delegate of the Corporation, the Committee or the Secretary of the Corporation, as the case may be. Such duly authorized delegate may be an individual or an organization within the Corporation or the Committee, or
maybe an unrelated third party individual or organization. 

  

	 	(k)	The Plan is intended to comply in all applicable respects with the requirements of Code Section 409A and shall be construed and administered so as to comply with that Code
section. 

 IN WITNESS WHEREOF, Northern Trust Corporation has caused this amendment and restatement of the Plan to be
executed on its behalf by its duly authorized officer, this 14th day of December, 2007, effective January 1, 2008 (or as of such other dates as are noted herein). 
  

			
	Northern Trust Corporation
		
	By:	 	 /s/ Timothy P. Moen

	Name:	 	Timothy P. Moen
	Title:	 	Executive Vice President - Human Resources and Administration

  

 - 9 -Item Processing and Lockbox Services Agreement

 Exhibit 10(xxv) 
 ITEM PROCESSING AND LOCKBOX SERVICES AGREEMENT 
 between 
 THE NORTHERN TRUST COMPANY 
 and 

FISERV SOLUTIONS, INC. 
 October 26,
2007 

 TABLE OF CONTENTS 
  

					
	 	  	 	  	Page
	 ARTICLE 1.
	  	 DEFINITIONS
	  	1
			
	 ARTICLE 2.
	  	 TERM
	  	3
			
	 2.1
	  	Initial Term	  	3
			
	 2.2
	  	Renewal Term	  	3
			
	 ARTICLE 3.
	  	 DESIGNATED SERVICES
	  	3
			
	 3.1
	  	Designated Services	  	3
			
	 3.2
	  	Transition	  	4
			
	 3.3
	  	Fiserv Implementation Manager	  	4
			
	 3.4
	  	Northern Trust Implementation Manager	  	4
			
	 3.5
	  	Improved Technology	  	5
			
	 3.6
	  	Financial Reports and Other Information	  	5
			
	 ARTICLE 4.
	  	 NEW SERVICES AND CHANGES
	  	6
			
	 4.1
	  	New Services	  	6
			
	 4.2
	  	Implementation Procedures	  	7
			
	 4.3
	  	Status Reports	  	7
			
	 ARTICLE 5.
	  	 SERVICE LEVELS
	  	7
			
	 5.1
	  	Designated Service Levels	  	7
			
	 5.2
	  	New Service Levels	  	7
			
	 5.3
	  	Service Levels Adjustment	  	7
			
	 5.4
	  	Service Reports	  	7
			
	 5.5
	  	Float Policy	  	7
			
	 ARTICLE 6.
	  	 SERVICE LOCATIONS AND RELATED PROCEDURES
	  	8
			
	 6.1
	  	Service Locations	  	8
			
	 6.2
	  	Facilities Security Procedures	  	8
			
	 6.3
	  	Data and Systems Security	  	8
			
	 ARTICLE 7.
	  	 SYSTEMS
	  	9
			
	 7.1
	  	Fiserv Systems	  	9
			
	 7.2
	  	Northern Trust Systems	  	9
			
	 ARTICLE 8.
	  	 RELATIONSHIP TEAM
	  	10
			
	 8.1
	  	Fiserv Relationship Manager	  	10

  

 -i- 

 TABLE OF CONTENTS 
 (continued) 
  

					
	 	  	 	  	Page
	 8.2
	  	Northern Trust Relationship Manager	  	10
			
	 8.3
	  	Problem Notification	  	10
			
	 8.4
	  	Conduct of Fiserv Employees and Agents	  	10
			
	 8.5
	  	Fiserv Employment Policies	  	10
			
	 ARTICLE 9.
	  	 MANAGEMENT AND CONTROL
	  	11
			
	 9.1
	  	Management Meetings	  	11
			
	 9.2
	  	Management Committee	  	11
			
	 9.3
	  	Management Committee Direction	  	11
			
	 9.4
	  	Business Plan	  	10
			
	 ARTICLE 10.
	  	 SOFTWARE
	  	12
			
	 10.1
	  	Northern Trust Software	  	12
			
	 10.2
	  	Developed Software	  	12
			
	 10.3
	  	Fiserv Software	  	13
			
	 ARTICLE 11.
	  	 NORTHERN TRUST RETAINED RESPONSIBILITIES
	  	14
			
	 ARTICLE 12.
	  	 REPORTS AND DATA
	  	14
			
	 12.1
	  	Reports	  	14
			
	 12.2
	  	Inspection of Reports	  	14
			
	 12.3
	  	Northern Trust Data Ownership	  	14
			
	 12.4
	  	Errors Correction	  	14
			
	 12.5
	  	Return of Data	  	14
			
	 12.6
	  	Data Retention	  	15
			
	 12.7
	  	Records	  	15
			
	 ARTICLE 13.
	  	 CONTINUED PROVISION OF SERVICES
	  	15
			
	 13.1
	  	Business Continuity Plan	  	15
			
	 13.2
	  	Force Majeure	  	16
			
	 ARTICLE 14.
	  	 PAYMENTS TO FISERV
	  	16
			
	 14.1
	  	Designated Fees	  	16
			
	 14.2
	  	Fee Schedules During the Initial Term	  	17
			
	 14.3
	  	Fee Schedules During Renewal Term	  	17
			
	 14.4
	  	New Service Fees	  	17

  

 -ii- 

 TABLE OF CONTENTS 
 (continued) 
  

					
	 	  	 	  	Page
	 14.5
	  	Most Favored Customer	  	17
			
	 14.6
	  	Detailed Invoices	  	18
			
	 14.7
	  	Time of Payment	  	18
			
	 14.8
	  	Payment of Termination Fees	  	18
			
	 14.9
	  	Set-Off Rights	  	18
			
	 14.10
	  	Unused Credits	  	18
			
	 ARTICLE 15.
	  	 TAXES
	  	19
			
	 ARTICLE 16.
	  	 AUDITS AND REGULATORY EXAMINATIONS
	  	19
			
	 16.1
	  	Processing	  	19
			
	 16.2
	  	Federal Reserve Examinations	  	20
			
	 16.3
	  	SAS-70 Type II Report	  	20
			
	 ARTICLE 17.
	  	 CONFIDENTIALITY
	  	20
			
	 17.1
	  	Definitions	  	20
			
	 17.2
	  	Obligations	  	21
			
	 17.3
	  	Systems	  	21
			
	 17.4
	  	Confidentiality of this Agreement	  	21
			
	 17.5
	  	Injunctive Relief	  	21
			
	 17.6
	  	Legal Action	  	21
			
	 17.7
	  	Non-Solicitation of Employees	  	22
			
	 17.8
	  	Non-Solicitation of Northern Trust Customers	  	22
			
	 ARTICLE 18.
	  	 REPRESENTATIONS AND WARRANTIES
	  	22
			
	 18.1
	  	By Northern Trust	  	22
			
	 18.2
	  	By Fiserv	  	23
			
	 ARTICLE 19.
	  	 TERMINATION
	  	23
			
	 19.1
	  	Termination for Convenience	  	23
			
	 19.2
	  	Termination for Cause	  	23
			
	 19.3
	  	Return of Assets Upon Termination For Cause	  	24
			
	 ARTICLE 20.
	  	 TERMINATION FEES
	  	24
			
	 20.1
	  	Termination for Convenience in Whole	  	24
			
	 20.2
	  	Termination for Convenience in Part	  	24

  

 -iii- 

 TABLE OF CONTENTS 
 (continued) 
  

					
	 	  	 	  	Page
	 20.3
	  	No Additional Fees	  	24
			
	 ARTICLE 21.
	  	 TERMINATION ASSISTANCE
	  	25
			
	 ARTICLE 22.
	  	 EXIT PLAN
	  	25
			
	 ARTICLE 23.
	  	 DISPUTE RESOLUTION
	  	26
			
	 23.1
	  	Transition Managers	  	26
			
	 23.2
	  	Management Committee	  	26
			
	 23.3
	  	Senior Management	  	26
			
	 23.4
	  	Arbitration	  	27
			
	 23.5
	  	Critical Disputes	  	28
			
	 23.6
	  	Continuity of Services	  	28
			
	 ARTICLE 24.
	  	 INDEMNIFICATION
	  	28
			
	 24.1
	  	By Northern Trust	  	28
			
	 24.2
	  	By Fiserv	  	29
			
	 24.3
	  	Indemnification Procedures	  	29
			
	 24.4
	  	Contribution	  	30
			
	 24.5
	  	18-Month Limitation on Certain Claims	  	30
			
	 ARTICLE 25.
	  	 DAMAGES AND LIMITATION OF LIABILITY
	  	30
			
	 25.1
	  	Direct Damages	  	30
			
	 25.2
	  	Consequential Damages	  	32
			
	 25.3
	  	Exclusions	  	32
			
	 25.4
	  	Acknowledgment	  	32
			
	 ARTICLE 26.
	  	 MISCELLANEOUS
	  	33
			
	 26.1
	  	Assignment and Subcontractors	  	33
			
	 26.2
	  	Notices	  	33
			
	 26.3
	  	Counterparts	  	34
			
	 26.4
	  	Headings	  	34
			
	 26.5
	  	Relationship	  	34
			
	 26.6
	  	Consents, Approval, and Requests	  	34
			
	 26.7
	  	Severability	  	34
			
	 26.8
	  	Waiver	  	35

  

 -iv- 

 TABLE OF CONTENTS 
 (continued) 
  

					
	 	  	 	  	Page
	 26.9
	  	Publicity	  	35
			
	 26.10
	  	Entire Agreement	  	35
			
	 26.11
	  	Interpretation of Documents	  	35
			
	 26.12
	  	Governing Law	  	35
			
	 26.13
	  	Survival	  	35
			
	 26.14
	  	Prevailing Party	  	35
			
	 26.15
	  	Third Party Beneficiaries	  	36
			
	 26.16
	  	Covenant of Further Assurances	  	36
			
	 26.17
	  	Interpretation of Certain Terms	  	36
			
	 26.18
	  	Insurance	  	36
			
	 26.19
	  	Marketing Assistance	  	37

 EXHIBITS 
 NOTE: Those exhibits marked with “*” have been omitted as non-material. Those exhibits marked “**” have been included in redacted form pursuant to a request for confidential treatment. Unredacted
exhibits have been filed separately. 
  

			
	 Exhibit 3.1A
	  	Designated Item Processing Services
	 Exhibit 3.1B
	  	Designated Lockbox Services
	 Exhibit 3.2
	  	Implementation Plan
	 Exhibit 4.1
	  	Form of New Services Schedule*
	 Exhibit 5.1A
	  	Designated Item Processing Service Levels*
	 Exhibit 5.1B
	  	Designated Lockbox Services Levels*
	 Exhibit 5.5
	  	Float Policy*
	 Exhibit 6.1
	  	Additional Service Locations*
	 Exhibit 9.3
	  	Management Process for the Management Committee*
	 Exhibit 10
	  	Northern Trust Software*
	 Exhibit 11
	  	Northern Trust Retained Responsibilities*
	 Exhibit 12.1
	  	Reports*
	 Exhibit 12.6
	  	Data Retention Schedule*
	 Exhibit 13.1
	  	Business Continuity Plan*
	 Exhibit 14.1A
	  	Designated Item Processing Fees**
	 Exhibit 14.1B
	  	Designated Lockbox Fees**
	 Exhibit 20.1
	  	Termination Fees**
	 Exhibit 26.19
	  	Relationship Management Model*

  

 -v- 

 ITEM PROCESSING AND LOCKBOX SERVICES AGREEMENT 
 ITEM PROCESSING AND LOCKBOX SERVICES AGREEMENT (this “Agreement”) dated as of October 26, 2007 (the “Agreement
Date”), by and between THE NORTHERN TRUST COMPANY (“Northern Trust”), an Illinois banking corporation, and FISERV SOLUTIONS, INC. (“Fiserv”), a Wisconsin corporation. 
 W I T N E S S E T H: 
 WHEREAS, based on the
proposal submitted by Fiserv to Northern Trust on September 29, 2006, Northern Trust and Fiserv have engaged in extensive negotiations, discussions and due diligence culminating in the relationship described in this Agreement; 
 WHEREAS, based on such proposal, Northern Trust desires to retain Fiserv as its primary provider of item processing and lockbox processing services; and

 WHEREAS, Fiserv intends to perform the services described in this Agreement reflecting appropriate new technologies for providing such
services; 
 NOW, THEREFORE, Fiserv and Northern Trust agree as follows: 
 ARTICLE 1. 
 DEFINITIONS 
 The following defined terms have the meanings specified in the Agreement portion indicated below: 
  

			
	 TERM
	  	 DEFINED IN

	Additional Fees	  	Section 14.1
	Agreement	  	Heading
	Agreement Date	  	Heading
	Business Continuity Plan	  	Section 13.1
	Business Plan	  	Section 9.4
	Change(s)	  	Section 4.1
	COLA Factor	  	Section 14.2
	Completion Date	  	Section 3.2
	Conclusion Date	  	Article 19
	Contract Year	  	Section 2.2
	Critical Services	  	Section 13.1
	Customization and Testing Hours	  	Section 4.1
	Data	  	Section 12.6
	Designated Fees	  	Section 14.1
	Designated Item Processing Fees	  	Section 14.1
	Designated Lockbox Fees	  	Section 14.1
	Designated Service Levels	  	Section 5.1
	Designated Item Processing Services	  	Section 3.1

  

 1 

			
	Designated Lockbox Services	  	Section 3.1
	Designated Services	  	Section 3.1
	Developed Software	  	Section 10.2
	Disaster	  	Section 13.1
	Discloser	  	Section 17.2
	Dispute	  	Section 23.2
	Effective Date	  	Section 2.1
	Estimated Fees	  	Section 14.1
	Estimated New Service Fees	  	Section 14.1
	Estimated Designated Fees	  	Section 14.1
	Estimated Out-of-Pocket Expenses	  	Section 14.1
	Fees	  	Section 14.4
	Force Majeure Event	  	Section 13.2
	Fiserv Agent(s)	  	Section 8.4
	Fiserv Implementation Manager	  	Section 3.3
	Fiserv Information	  	Section 17.1
	Fiserv Proprietary Software	  	Section 10.3
	Fiserv Relationship Manager	  	Section 8.1
	Fiserv Software	  	Section 10.3
	Fiserv Systems	  	Section 7.1
	Fiserv Third Party Software	  	Section 10.3
	Hearing	  	Section 23.3
	Implementation Managers	  	Section 3.4
	Implementation Period	  	Section 3.2
	Implementation Plan	  	Section 3.2
	Implementation Procedures	  	Section 4.2
	Implementation Services	  	Section 4.1(b)
	Improved Technology	  	Section 3.5
	Information	  	Section 17.1
	Initial Term	  	Section 2.1
	LOI Additional Services	  	Section 3.2
	Losses	  	Section 24.1
	Management Committee	  	Section 9.2
	New Service(s)	  	Section 4.1
	New Service Fees	  	Section 14.4
	New Service Levels	  	Section 5.2
	New Services Schedule	  	Section 4.1
	Northern Trust Agent(s)	  	Section 10.3
	Northern Trust	  	Heading
	Northern Trust Data	  	Section 12.3
	Northern Trust Implementation Manager	  	Section 3.4
	Northern Trust Information	  	Section 17.1
	Northern Trust Proprietary Software	  	Section 10.1
	Northern Trust Relationship Manager	  	Section 8.2
	Northern Trust Retained Responsibilities	  	Article 11
	Northern Trust Software	  	Section 10.1

  

 2 

			
	Northern Trust Systems	  	Section 7.2
	Northern Trust Third Party Software	  	Section 10.1
	Notice	  	Section 26.2
	Original Service Location	  	Section 6.1
	Out-of-Pocket Expenses	  	Section 14.4
	Problem	  	Section 8.3
	Recipient	  	Section 17.1
	Reconstruction Costs	  	Section 26.18
	Relationship Managers	  	Section 8.2
	Renewal Term(s)	  	Section 2.2
	Report(s)	  	Section 12.1
	Residuals	  	Section 17.3
	Securities	  	Section 26.18
	Service Levels	  	Section 5.2
	Service Location(s)	  	Section 6.1
	Services	  	Section 4.1
	Software	  	Section 10.3
	SmartBox	  	Section 3.6
	Statement of Work	  	Section 4.1
	Systems	  	Section 7.2
	Taxes	  	Article 15
	Term	  	Section 2.2
	Termination Assistance Period	  	Article 21
	Termination Assistance Services	  	Article 21
	Yearly Damage Cap	  	Section 25.1

 ARTICLE 2. 
 TERM 
 2.1 Initial Term. The initial term of this Agreement shall commence on January 1,
2008 (the “Effective Date”) and shall continue until midnight Central Time on June 30, 2013 (the “Initial Term”), unless terminated earlier pursuant hereto. 
 2.2 Renewal Term. Upon Initial Term expiration, this Agreement shall automatically renew for two successive one-year terms (collectively,
“Renewal Terms”; and each, a “Renewal Term”) unless terminated (1) earlier pursuant to Article 19; or (2) by either party upon at least 365 days’ written Notice to the other prior to
Initial Term expiration or any Renewal Term expiration. The Initial Term and any Renewal Terms are collectively called the “Term”. Each 12-month period commencing on the Effective Date during the Term is called a “Contract
Year”. 
 ARTICLE 3. 
 DESIGNATED SERVICES. 
 3.1 Designated Services. Fiserv shall provide Northern Trust (1) the item processing
services listed in Exhibit 3.1A (“Designated Item Processing Services”) and (2) the lockbox 

  

 3 

 
processing services listed in Exhibit 3.1B (“Designated Lockbox Services;” Designated Lockbox Services and Designated Item Processing
Services being collectively, “Designated Services”). Fiserv shall assume full responsibility for managing, administering, operating and maintaining the Northern Trust Systems, Northern Trust Software and such other resources as are
mutually agreed by the parties. During the Term, Fiserv shall be the exclusive provider for Northern Trust of services substantially similar to the Designated Services that Northern provides to its customers. Fiserv may, at its option, agree
to provide Designated Services to any affiliate of Northern Trust upon such terms as may be mutually agreeable to such Northern Trust affiliate and Fiserv at such time; provided, however, that neither Fiserv nor any Northern Trust
affiliate shall be under any obligation to enter into such an agreement. Northern Trust and any Northern Trust affiliate may enter into agreements with other providers for services substantially similar to New Services. 
 3.2 Implementation. Commencing on the Effective Date and continuing until June 30, 2011 or such other date as may be mutually agreed between
the parties (“Completion Date”), Fiserv shall implement the systems and data described in Exhibit 3.2 in accordance with the implementation plan set forth in Exhibit 3.2 (the “Implementation
Plan”; the period commencing on the Effective Date until the Completion Date being the “Implementation Period”). Fiserv shall also provide certain services under the Implementation Plan as set forth in Exhibit 3.2
(collectively, the “LOI Additional Services”). During the Implementation Period, (1) Fiserv shall provide Northern Trust with monthly reports on its progress, and (2) Fiserv shall provide the Management Committee with
regular reports of its progress. Without limiting the rights of Northern Trust under Sections 24 and 25, failure to meet the requirements of the Implementation Plan will result in Fiserv paying Northern Trust liquidated damages, as
described in Exhibit 3.2. Notwithstanding anything in this Agreement to the contrary, all costs, fees and expenses associated with the provision of the LOI Additional Services, the implementation of the LOI Additional Services, and the
upgrade to the 4.07 DMP platform (as described in Exhibit 3.2) shall be borne by Fiserv; provided, however that in the event that a Change is made to an LOI Additional Service or there is a material change to the scope of the upgrade to the
4.07 DMP platform (as described in Exhibit 3.2), then the costs, fees and expenses associated with such Change or material change shall be borne as mutually agreed by the parties hereto. 
 3.3 Fiserv Implementation Manager. Fiserv shall appoint an individual who shall be in charge of implementing the Implementation Plan on behalf of
Fiserv during the Implementation Period (the “Fiserv Implementation Manager”). The initial Fiserv Implementation Manager shall be Anna M. Quinlan. Fiserv may change the Fiserv Implementation Manager at any time upon notice to
Northern Trust. 
 3.4 Northern Trust Implementation Manager. Northern Trust shall appoint an individual who shall be in charge of
implementing the Implementation Plan on behalf of Northern Trust during the Implementation Period (the “Northern Trust Implementation Manager”; the Northern Trust Implementation Manager and the Fiserv Implementation Manager being
collectively the “Implementation Managers”). The initial Northern Trust Implementation Manager shall be Donald E. Berk. Northern Trust may change the Northern Trust Implementation Manager at any time upon notice to Fiserv.

  

 4 

 3.5 Improved Technology. Fiserv shall use reasonable efforts to provide Northern Trust access to,
for Northern Trust’s evaluation and acceptance testing, new information technology developments relating to the financial and information services industries or to any Designated Services (“Improved Technology”),
provided, that such access is not inconsistent with Fiserv’s obligations of confidentiality to any unaffiliated third party. All costs, fees and expenses associated with such evaluation and testing shall be borne by the parties as
mutually agreed by the parties hereto. Fiserv shall use reasonable efforts to adopt and implement at its cost any Improved Technology that becomes the industry standard for leading technology banking service institutions serving the large corporate
market. In addition, to the extent not inconsistent with Fiserv’s obligations of confidentiality to any unaffiliated third party, Fiserv shall meet with Northern Trust at least once each Contract Year to inform Northern Trust of any Improved
Technology related to any item or information processing or imaging technology Fiserv is developing, or is considering developing, or is otherwise aware of, that relates to either the financial or information services industries or to any Designated
Services. Except as otherwise mutually agreed by the parties hereto, Fiserv covenants and agrees (1) that any and all third-party software used by Fiserv to provide the Designated Services shall never be more than one version behind the
then-current release of such third-party software available in the marketplace, and (2) that the same software shall be used at each Service Location. Each quarter, Fiserv shall obtain an update from its software vendors that identifies the
current released version of third-party software used by Fiserv to provide the Designated Services and such updates shall be discussed in the monthly management meetings described in Exhibit 9.3. In the event that a new version of any software used
by Fiserv to provide the Designated Services becomes publicly available and Northern Trust believes that Fiserv should obtain such new version and Fiserv disagrees, then the matter shall be deemed to be a Dispute subject to the resolution procedures
set forth in Article 23 of this Agreement. Fiserv also covenants and agrees to use reasonable efforts to remain current with respect to new information technology developments relating to the Designated Services. 
 3.6 SmartBox. Notwithstanding anything to the contrary in this Agreement, in the event that Northern Trust pays Fiserv fees or uses Customization
and Testing Hours for the purpose of upgrading the current SmartBox software application, Fiserv covenants and agrees that it shall not use such upgraded software to provide Services to any item processing client or lockbox processing client other
than Northern Trust. Fiserv may offer the version of SmartBox in use as of the Effective Date to any of its clients provided that such Fiserv client is not offering SmartBox to a Northern Trust client as of the Effective Date. For purposes of this
Agreement, “SmartBox” shall mean the highly-customized receivables matching management system designed to speed the billing process by integrating all elements of the billing, receivables, and collection cycle, including paper and
electronic payment processing, lockbox deposits, remittance data capture and reconcilement, invoice detail, data transmissions for automated cash applications, and remittance document imaging and delivery. 
 3.7 Financial Reports and Other Information. Fiserv shall provide Northern Trust within (1) 90 days after the end of its fiscal year, copies
of Form 10-K as filed by Fiserv, Inc.; and (2) 45 days after the end of each of its fiscal quarters, copies of Form 10-Q as filed by Fiserv, Inc. Northern Trust may review and obtain access to such Forms 10-K and 10-Q at any time via
www.fiserv.com<http://www.fiserv.com/>, or www.sec.gov<http://www.sec.gov/>. The foregoing shall be prepared in accordance with generally accepted accounted principles 

  

 5 

 
unless noted therein. In addition, Fiserv shall provide Northern Trust within (1) 45 days after Fiserv’s fiscal year end and (2) 45 days after
Fiserv’s fiscal quarter ends, copies of the unaudited management report for each Service Location as of the fiscal year end, detailing volumes processed, staffing levels, service level performance, number of new clients added during the period,
and other operational statistics that may be agreed upon by the parties for the period then ended. 
 ARTICLE 4. 
 NEW SERVICES AND CHANGES 
 4.1 New
Services. (a) Northern Trust may from time to time request that Fiserv perform additional services related to item processing or lockbox processing either in addition to or outside the scope of Designated Services and/or the LOI Additional
Services and (1) that require resources other than those required for performance of Designated Services or the LOI Additional Services or require additional start-up expenses not otherwise required for the performance of Designated Services or
the LOI Additional Services, including (a) certain Software modifications; and (b) additions to a Designated Service or an LOI Additional Service (collectively, “New Services;” New Services, Designated Services, and LOI
Additional Services being collectively, “Services”) or (2) that materially change a Service (each a “Change;” collectively, “Changes”). 
 (b) Fiserv agrees to provide 2,000 hours (“Customization and Testing Hours”) to Northern Trust in connection with Fiserv’s
provision of the LOI Additional Services. Beginning with the second Contract Year and continuing until the end of the Term, Fiserv shall provide to Northern Trust 1,000 Customization and Testing Hours per Contract Year in connection with the
provision of any Services. The parties hereto agree that the projects and services to be included in the Customization and Testing Hours shall be as defined in Addendum A to Exhibits 14.1A and 14.1B. The budgeting of hours by project to be included
in Customization and Testing Hours shall be mutually agreed upon by Fiserv and Northern Trust in writing. The parties shall use their reasonable efforts to assure that all projects involving Customization and Testing Hours are completed without
material variation from the time budgeted for such projects in the applicable statement of work, the form of which is set forth in the New Services Schedule. If any proposed service is not part of Customization and Testing Hours, the applicable
statement of work shall include, at a minimum, (i) the time frame for delivery or performance of such service; (ii) if applicable, a description of such service’s scope and functionality; (iii) the applicable terms, conditions
and fees to be paid with respect to such service; (iv) an explanation of Fiserv’s actual business case and a proposed business justification on behalf of Northern Trust in respect of such proposal; and (v) to the extent applicable, an
estimate of the resource requirements (Fiserv and Northern Trust) necessary to develop and implement such service (each, a “Statement of Work”). The parties hereto agree to use available Customization and Testing Hours for a given
Contract Year prior to incurring any billable charges for applicable services or projects. 
 (c) Fiserv also may submit a Statement of Work
to Northern Trust to make a Change to any Service. If (i) Northern Trust elects to have Fiserv make such Change and (ii)

  

 6 

 
both parties agree that such Change will be beneficial, Northern Trust and Fiserv shall execute an amendment to this Agreement in substantially the form set
forth in Exhibit 4.1 for such New Service or Change (a “New Services Schedule”). Fiserv shall perform its responsibilities as required in the applicable New Services Schedule related to any New Service or Change.

 4.2 Implementation Procedures. Fiserv shall implement New Services and Changes in accordance with Fiserv and Northern Trust’s
then applicable change control procedures (“Implementation Procedures”). 
 4.3 Status Reports. Fiserv shall provide
Northern Trust with monthly reports of the status of its progress in implementing Services and Changes. 
 ARTICLE 5. 
 SERVICE LEVELS 
 5.1 Designated
Service Levels. As of the Effective Date, Fiserv shall provide (1) Designated Item Processing Services at or better than the levels of service set forth in Exhibit 5.1A and (2) Designated Lockbox Services at or better than
the levels of services set forth in Exhibit 5.1B, which Northern Trust represents and warrants are the corresponding levels of service as of the Effective Date (collectively, “Designated Service Levels”). Without limiting the
rights of Northern Trust under Sections 24 and 25, failure to meet those service levels for two consecutive months will be deemed to be a Dispute to be resolved by the Management Committee pursuant to Section 23.2 of this
Agreement. 
 5.2 New Service Levels. Fiserv shall provide New Services and Changes at levels equal to or better than the levels of
service (1) specified in the applicable New Services Schedule; or (2) otherwise mutually established by Northern Trust and Fiserv (collectively, “New Service Levels”; Designated Service Levels and New Service Levels being
collectively, “Service Levels”). 
 5.3 Service Levels Adjustment. At least once each Contract Year, the Management
Committee shall review Service Levels for the preceding Contract Year. In respect of any Service Levels that require periodic adjustment or that are no longer appropriate because of a Change or other technology that has been implemented to change or
enhance Services, the Management Committee may recommend that such Service Levels be adjusted as of January 1 of the subsequent Contract Year, and, upon mutual agreement of the parties hereto, such Service Levels shall be adjusted with expenses
related thereto paid as mutually agreed. In addition, either Northern Trust or Fiserv may, at any time upon 60 days prior notice to the other party, initiate negotiations to review and adjust any Service Levels that such party in good faith believes
are inappropriate at the time. 
 5.4 Service Reports. Fiserv shall provide Northern Trust with monthly reports in respect of
Designated Service Levels set forth in Exhibits 5.1A and 5.1B, respectively, and any New Service Levels described in Section 5.2. 
 5.5 Float Policy. In performing the Designated Services, Fiserv shall observe the Float Policy set forth in Exhibit 5.5. 
  

 7 

 ARTICLE 6. 
 SERVICE LOCATIONS AND RELATED PROCEDURES. 
 6.1 Service Locations. The main location for the
provision of the Services shall be at 350 North Orleans, Chicago, Illinois 60654 (the “Original Service Location”). Fiserv shall not relocate the Original Service Location at which the Services are provided without the prior written
consent of Northern Trust, which cannot be unreasonably withheld. During the Initial Term, Fiserv shall establish satellite sites for the provision of the Designated Lockbox Services according to the schedule and subject to any other requirements
set forth in Exhibit 6.1. Northern Trust shall be permitted access to any locations used by Fiserv to perform any of the Services (such locations being “Service Locations”) at all times and subject to any reasonable notice,
security and confidentiality procedures in effect at such Service Location. Fiserv specifically covenants and agrees that all such facilities will be maintained appropriately during normal hours of operation (including second or third shifts) for
tours by clients and prospective clients of Northern Trust. Full access to each Service Location will also be provided so that state and federal regulators to which Northern Trust, Northern Trust’s clients and the Services are subject shall be
allowed to examine all aspects of applicable laws and regulations, including, without limitation, Fiserv’s data and system security. 
 6.2 Facilities Security Procedures. Fiserv shall implement, maintain, and enforce reasonable environmental and physical security standards and procedures at each Service Location. 
 6.3 Data and Systems Security. (a) Fiserv shall (1) implement, maintain, and enforce data and systems security in respect of Fiserv
Systems; and (2) maintain and enforce in respect of (a) any Northern Trust Systems that Fiserv is responsible for as part of Designated Services; and (b) any Northern Trust Data, in each case on-line security standards and procedures
at least as rigorous as those in effect at the Original Service Location as of the Effective Date. 
 (b) In the event Northern Trust Data is
transmitted over an unsecured electronic network, the information must be either (1) encrypted using a commercially reasonable security technology that, at a minimum, is equivalent to 128-bit RC4 encryption technology (or its equivalent at the
time) or (2) transmitted via a secure session that utilizes a commercially reasonable security technology that provides a level of security that, at a minimum, is equivalent to 128-bit RC4 encryption technology. 
 (c) Fiserv shall encrypt any Northern Trust Data on portable media, including without limitation laptop computers, CD-ROMs, and thumb drives, in the
event that such media is used or sent out of any Fiserv Service Location. The obligation set forth in the immediately preceding sentence applies to portable media used by any Fiserv Agent. Fiserv shall also notify the Northern Trust Relationship
Manager promptly of any security breach or acquisition of Northern Trust Data by an unauthorized person. 
  

 8 

 (d) In addition to the requirements set forth in Section 17.2 of this Agreement, Fiserv shall
maintain the confidentiality of any nonpublic personal information obtained from Northern Trust in connection with the provision of the Services according to the standards established by 15 U.S.C. Section 6802 and any regulations issued in
accordance thereto, subject to any statutory and regulatory exceptions. Fiserv shall also maintain appropriate measures designed to meet the objectives of the guidelines establishing information security standards as adopted by federal bank
regulatory agencies, as well as any standards established by the Securities and Exchange Commission. Fiserv acknowledges that such standards currently require that reasonable measures be implemented to (1) ensure the security and
confidentiality of any Northern Trust’s consumer customer information in Fiserv’s possession or control; (2) protect against any anticipated threat or hazards to the security or integrity of Northern Trust’s consumer customer
information; (3) protect against unauthorized access to or use of Northern Trust’s consumer customer information that could result in substantial harm or inconvenience to any consumer customer of Northern Trust; and (4) ensure the
proper disposal of Northern Trust’s consumer customer information. 
 ARTICLE 7. 
 SYSTEMS. 
 7.1 Fiserv Systems.
Except as provided in Article 10, any systems and related documentation and procedures and any modifications or enhancements to such systems or related documentation or procedures designed, developed, owned, acquired, or licensed by
Fiserv or any of its affiliates (other than Northern Trust and its affiliates) related to Services (“Fiserv Systems”) shall be the exclusive property of Fiserv or its third party licensor or lessor, as the case may be. Fiserv shall
maintain the Fiserv Systems in good working order, to the reasonable satisfaction of Northern Trust. Fiserv shall also maintain in good working order the interfaces the Fiserv Systems have with any systems, software or devices of Northern Trust.
Fiserv will also cooperate with establishing and maintaining any interfaces it might have with third parties in providing the Services. Except as otherwise provided herein, Northern Trust shall have no rights to or interests in Fiserv Systems.

 7.2 Northern Trust Systems. Except as provided in Article 10, any systems and related documentation or procedures and
any modifications or enhancements to such systems or related documentation or procedures designed, developed, owned, acquired, or licensed by Northern Trust or any of its affiliates related to Services (“Northern Trust Systems”; the
Fiserv Systems and the Northern Trust Systems being collectively, “Systems”) shall be the exclusive property of Northern Trust or its third party licensor or lessor, as the case may be. Fiserv shall have no rights to or interests in
Northern Trust Systems. Fiserv shall maintain in good working order and shall not injure or compromise in any material way the portion of Northern Trust Systems that Fiserv uses or with which Fiserv interfaces in order to provide Services.

  

 9 

 ARTICLE 8. 
 RELATIONSHIP TEAM. 
 8.1 Fiserv Relationship Manager. Fiserv shall appoint an individual who
shall be in charge of the performance of the Services (the “Fiserv Relationship Manager”). The initial Fiserv Relationship Manager shall be Ted Wong. Fiserv may change the Fiserv Relationship Manager at any time upon notice to
Northern Trust. 
 8.2 Northern Trust Relationship Manager. Northern Trust shall appoint an individual who shall be in charge of
working with the Fiserv Relationship Manager in connection with the performance of the Services by Fiserv (the “Northern Trust Relationship Manager”; the Fiserv Relationship Manager and Northern Trust Relationship Manager being
collectively, “Relationship Managers”). The initial Northern Trust Relationship Manager shall be Karen Beata. Northern Trust may change the Northern Trust Relationship Manager at any time upon notice to Fiserv. 
 8.3 Problem Notification. In the event Fiserv becomes aware (either through notification by Northern Trust or otherwise) of a Systems, Software,
or Services event, occurrence, error, defect, or malfunction that Fiserv reasonably believes would materially affect any of the Services (each, a “Problem”), Fiserv shall promptly notify the Northern Trust Relationship Manager of
such Problem. Fiserv shall treat such Problem as a priority and work diligently to avert any adverse effect such Problem may have on the Services. If the Problem is not corrected within 24 hours, Fiserv shall devote sufficient increased resources to
either correct the Problem or provide a work around acceptable to Northern Trust. If the Problem has not been corrected within two days, Fiserv shall pay damages to Northern Trust as determined by the Management Committee, with such damages to be
governed pursuant to the provisions of this Agreement. If more than one Problem arises or occurs at one time, the Northern Trust Relationship Manager shall determine and inform Fiserv promptly as to the order of priority in which such Problems shall
be addressed and resolved. 
 8.4 Conduct of Fiserv Employees and Agents. Fiserv’s employees, agents, contractors, and
subcontractors, including any temporary employees of Fiserv involved in the provision of any of the Services (collectively, “Fiserv Agents”) shall (1) in the event that Fiserv Agents are performing any of the Services at a
Northern Trust location, comply with reasonable Northern Trust requests, rules, and regulations regarding personal and professional conduct (including the wearing of a particular uniform or business attire, identification badge or adhering to
general security procedures) generally applicable to that Northern Trust location; (2) adhere to applicable security procedures; (3) otherwise conduct themselves in a businesslike and professional manner; and (4) upon Northern
Trust’s request at any time, be made reasonably available to Northern Trust to assist in a Northern Trust RFP process relating to services substantially similar to the Services. 
 8.5 Fiserv Employment Policies. Fiserv shall exercise due care and diligence in the selection and training of Fiserv Agents and shall take
reasonable steps to assure that Services are provided only by persons who have not been convicted of a criminal offense involving violence, dishonesty or any breach of trust. Fiserv shall include language on its employment application or 

  

 10 

 
in its subcontracts requiring prospective Fiserv Agents to attest to not having been so convicted. Each Fiserv Agent involved in providing Services shall be
bondable and covered by the insurance required under Section 26.18. Fiserv and each Fiserv Agent will not discriminate against any of its employees or applicants for employment because of age, race, color, religion, sex, national origin,
ancestry, disability, handicap, or veteran status or any other basis prohibited by applicable federal, state or local law, and will comply with all applicable requirements of the equal opportunity and affirmative action clauses set forth in
Executive Order 11246 and Executive Order 13201 (applicable to subcontractors), as amended, in the regulations of the Department of Labor implementing the Vietnam Era Veterans Readjustment Act of 1974, and in the Rehabilitation Act of 1973, as
amended, which, together with the implementing rules and regulations prescribed by the U.S. Secretary of Labor, are incorporated in this Agreement by reference. 
 ARTICLE 9. 
 MANAGEMENT AND CONTROL 
 9.1 Management Meetings. During the Term, at least quarterly meetings of the Management Committee shall be held at a designated site or by
conference call or video conference, as may be agreed by the members of the Management Committee. 
 9.2 Management Committee.
Northern Trust shall appoint three members of its management staff, and Fiserv shall appoint three members of its management staff, to serve on a management committee (the “Management Committee”). The initial Northern
Trust–appointed members of the Management Committee shall be Arthur J. Fogel, Marianne G. Doan and Donald E. Berk. The initial Fiserv–appointed members of the Management Committee shall be Stephen J. Ward, Anna M. Quinlan, and Teri M.
Carstensen. Each of Northern Trust and Fiserv may change any of the members whom it appoints to the Management Committee at any time upon notice to the other. The Management Committee shall be authorized and responsible for (1) generally
overseeing the performance of the Services, including, without limitation, service level performance; (2) making recommendations relating to the achievement of Northern Trust strategic and tactical objectives in respect of the establishment,
budgeting, and implementation of Northern Trust’s priorities and plans for item processing or lockbox processing and communications relating thereto; (3) monitoring and resolving Disputes (including, without limitation, a determination of
possible liquidated damages); (4) identifying major enhancements each Contract Year and determining which of those will be part of the Customization and Testing Hours for the Contract Year; (5) monitoring provision of Customization and
Testing Hours and special projects according to the standards mutually agreed upon by Fiserv and Northern Trust in writing; (6) coordinating and planning for the provision of New Services or Changes; (7) monitoring and resolving concerns
identified by Northern Trust’s control unit or fraud unit; and (8) and generally overseeing the relationship between Northern Trust and Fiserv. 
 9.3 Management Committee Direction. Each party shall abide by the directions and plans of the Management Committee. The management process for the Management Committee and the performance of the Services shall
be as described in Exhibit 9.3 hereto. Decisions of the Management Committee will be made by consensus. 
  

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 ARTICLE 10. 
 SOFTWARE 
 10.1 Northern Trust Software. 
 (1) Northern Trust hereby grants Fiserv during the term hereof, a non-exclusive, non-transferable license to (a) use to the extent required to
perform the Services and to the extent and on the terms as may be mutually agreed by the parties, to perform services for other customers of Fiserv, (i) Northern Trust proprietary software used prior to the Effective Date to perform the
Designated Services, including the Northern Trust proprietary software listed in Exhibit 10; and (ii) to the extent agreed upon by the parties, any other Northern Trust proprietary software acquired by Northern Trust after the
Effective Date for use related to Services (collectively, “Northern Trust Proprietary Software”); (b) use to the extent required to perform the Services and to the extent and on the terms as may be mutually agreed by the
parties, to perform services for other customers of Fiserv, (i) the software licensed or leased by Northern Trust from a third party prior to the Effective Date and used to perform Designated Services, including the licensed or leased software
listed in Exhibit 10; and (ii) to the extent agreed upon by the parties, any software licensed or leased by Northern Trust from a third party after the Effective Date for use related to Services (collectively, “Northern
Trust Third Party Software”); and (c) use any documentation related to Northern Trust Proprietary Software or Northern Trust Third Party Software in Northern Trust’s possession on or after the Effective Date to the extent required
to perform the Services and to the extent and on the terms as may be mutually agreed by the parties, to perform services for other customers of Fiserv, (Northern Trust Proprietary Software, Northern Trust Third Party Software, and such documentation
being collectively, the “Northern Trust Software”). Northern Trust Software shall be the exclusive property of Northern Trust or its third-party licensor, as the case may be, and Fiserv shall have no rights to or interests in
Northern Trust Software, except the license described in this Section 10.1. Nothing herein shall in any way affect Northern Trust’s rights to the Northern Trust Software, which except as specifically described herein, remains
absolute. Upon the expiration or termination of this Agreement, the rights granted to Fiserv in this Section 10.1 shall immediately revert to Northern Trust. 
 (2) Fiserv may sublicense to Fiserv Agents (each such sublicenses must be specifically approved by Northern Trust) the right to use Northern Trust Software to the extent set forth in Section 10.1(1) and as
may otherwise be mutually agreed. 
 (3) Upon expiration or termination of this Agreement for any reason, Fiserv shall provide Northern Trust
with all extant copies in its possession of Northern Trust Software, whether in written or electronic form or otherwise. 
 (4) Fiserv shall
not reverse engineer or decompile Northern Trust Software. 
 10.2 Developed Software. Except as otherwise provided as part of a New
Services Schedule in accordance with Article 4, (1) any enhancements or modifications to the Northern 

  

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Trust Software (“Developed Software”) shall be and shall remain the exclusive property of Northern Trust or the applicable third party
licensor. Fiserv shall provide Northern Trust with documentation and source code for all Developed Software at the time the Developed Software goes into use. (2) In consideration of the payments made by Northern Trust hereunder, Fiserv hereby
assigns to Northern Trust all right, title, and interest in the Developed Software and agrees to execute such documents and take such actions as shall be reasonably necessary to effect such assignments. (3) Northern Trust hereby grants to
Fiserv during the Term a non-exclusive, non-transferable license to use Developed Software to the extent required to perform the Services and to the extent and on the terms as may be mutually agreed by the parties, to perform services for other
customers of Fiserv. (4) Fiserv may sublicense to Fiserv Agents (each of whom shall be specifically approved by Northern Trust) the right to use Developed Software during the Term of this Agreement. (5) Upon expiration or termination of
this Agreement for any reason, Fiserv shall deliver to Northern Trust all extant copies in its possession of Developed Software and any related documentation, whether in written or electronic form or otherwise, unless any such Developed Software
shall be being used by Fiserv to provide services to other customers of Fiserv, in which case upon payment of a fair market license fee, the rights granted to Fiserv in this Section 10.2 shall continue until any services agreements with
such other customers using such Developed Software shall expire or otherwise lapse. 
 10.3 Fiserv Software. (1) All software and
related documentation (a) (i) owned by Fiserv prior to the Effective Date or of which Fiserv acquires ownership after the Effective Date, which is used to perform the Services; or (ii) developed by Fiserv after the Effective Date that
is not Developed Software (collectively, “Fiserv Proprietary Software”); or (b) licensed or leased from a third party by Fiserv prior to or after the Effective Date that is used to perform the Services (“Fiserv Third
Party Software”; the Fiserv Proprietary Software and the Fiserv Third Party Software being collectively, the “Fiserv Software”) shall be the exclusive property of Fiserv or its third-party licensor, as the case may be, and
Northern Trust shall have no rights to or interests in Fiserv Software except as described in this Section 10.3 or Section 3.6. (2) Fiserv shall use Fiserv Software to provide the Services at no additional cost to Northern
Trust other than as expressly provided in this Agreement. (3) Northern Trust may sublicense to its employees, agents, contractors and subcontractors (collectively, “Northern Trust Agents”) (each of such sublicensees shall be
specifically approved by Fiserv) the right to use the Fiserv Software. Upon expiration or termination of this Agreement and upon payment by Northern Trust to Fiserv of the then current licensing fee from time to time, if any (so long as the
licensing fee is no higher than the amount charged to any other non-affiliated third party), Fiserv shall deliver to Northern Trust a copy of, and hereby grants, or shall cause to be granted to Northern Trust, a non-exclusive, non-transferable
license to use and to sublicense to a third party to use, the Fiserv Software. Upon the expiration or termination of (i) this Agreement; and (ii) the license granted in the preceding sentence, the rights granted to Northern Trust in this
Section 10.3 shall immediately revert to Fiserv. Northern Trust Software, Developed Software, and Fiserv Software are collectively called “Software”. 
  

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 ARTICLE 11. 
 NORTHERN TRUST RETAINED RESPONSIBILITIES 
 Unless provided by Fiserv as a New Service, Northern Trust
shall be responsible for the services set forth in Exhibit 11 (“Northern Trust Retained Responsibilities”). Northern Trust shall submit to Fiserv monthly invoices for Northern Trust Retained Responsibilities provided in the
prior month. Fiserv shall (1) pay such invoiced amounts to Northern Trust or (2) credit such invoiced amounts against the Designated Item Processing Fees or the Designated Lockbox Fees, as applicable, for the immediately following month,
in either case no later than 15 days following Fiserv’s receipt of each monthly invoice. 
 ARTICLE 12. 
 REPORTS AND DATA. 
 12.1
Reports. Fiserv shall provide Northern Trust those reports described in Exhibit 12.1 (collectively, “Reports”). Reports shall be prepared by Fiserv and provided to Northern Trust according to the schedules set
forth in Exhibit 12.1 and in substantially the same form as described in Exhibit 12.1 unless otherwise mutually agreed. 
 12.2 Inspection of Reports. Northern Trust shall (1) inspect and review Reports; and (2) provide Fiserv with a notice of any errors or inaccuracies in (a) daily and weekly Reports within 30 days of receipt; and
(b) in monthly or other Reports within 45 days of receipt. 
 12.3 Northern Trust Data Ownership. All data and information,
including checks, remittance information, client data, client instructions, image data, microfilm records and other instruments and items, submitted to Fiserv by Northern Trust or its affiliates or their customers in connection with the Services
(“Northern Trust Data”) is and shall remain Northern Trust’s or its affiliates’ property or property of their respective customers, as applicable. Northern Trust Data shall not be (1) used by Fiserv and Fiserv Agents
other than in connection with providing the Services; (2) sold, assigned, licensed or leased to third parties by Fiserv and Fiserv Agents; or (3) commercially exploited by or on Fiserv’s or Fiserv Agents’ behalf. 
 12.4 Errors Correction. Fiserv shall promptly correct at its expense any errors or inaccuracies in Northern Trust Data and Reports caused by
Fiserv or Fiserv Agents. At Northern Trust’s request and expense, Fiserv shall promptly correct (a) any other errors or inaccuracies in Northern Trust Data and Reports; and (b) any errors or inaccuracies identified by Northern Trust
after the applicable review period expiration described in Section 12.2. Northern Trust is responsible for (i) Northern Trust Data accuracy and completeness other than that caused by Fiserv or Fiserv Agents; and (ii) any errors
or inaccuracies in and with respect to data obtained from Fiserv or Fiserv Agents because of any inaccurate or incomplete Northern Trust Data other than that caused by Fiserv or Fiserv Agents. Fiserv is responsible for all of the completeness of the
Reports and any errors or inaccuracies in its data or Reports. 
 12.5 Return of Data. Except to the extent that Northern Trust’s
request requires personnel or other resources other than those allocated for the provision of the Services in the 

  

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ordinary course of business, in which case the time and material charges set forth in Exhibits 14.1A and 14.1B shall apply, Fiserv shall on
(1) Northern Trust’s request at any time including, without limitation, during a Northern Trust-initiated RFP process relating to services substantially similar to the Services, and (2) upon Termination Assistance Services cessation,
(a) promptly return to Northern Trust, in the format and on the media mutually agreed and within the timeframe reasonably requested by Northern Trust, all of Northern Trust Data; and (b) erase or destroy all or part of Northern Trust Data
in Fiserv’s possession prior to Termination Assistance Services cessation after successfully returning Northern Trust Data pursuant to this Section 12.5. Archival tapes containing any Northern Trust Data shall be used solely for
back-up purposes. Fiserv shall be relieved of its obligations to provide Services (except for any Termination Assistance Services to the extent such Termination Assistance Services can be provided without such Northern Trust Data) should Northern
Trust require Fiserv to erase or destroy all Northern Trust Data in its possession prior to cessation of all Termination Assistance Services. 
 12.6 Data Retention. Fiserv and Northern Trust shall each make and maintain tapes or other media containing copies of any Northern Trust Data then residing on Systems (“Data”) in accordance with the Data Retention
Schedule set forth in Exhibit 12.6. On request, authorized Fiserv and Northern Trust personnel shall be permitted access at any time to any facilities used to store Data during normal business hours and subject to any reasonable security
and confidentiality procedures or other restrictions in effect at such facilities. Fiserv and Northern Trust shall each maintain Data copies for at least the period specified in Exhibit 12.6 from the date each such Data was made. Fiserv
shall maintain its Data copies at locations other than the Service Locations. 
 12.7 Records. Fiserv shall keep accurate books and
records, consistent with its customary accounting and business practices (sufficient to support the Reports), which relate to the performance of the Services hereunder. Upon request from Northern Trust, Fiserv shall provide to Northern Trust and its
agents, attorneys and accountants access during normal business hours to such books and records at the offices of Fiserv and the Service Locations for the purpose of copying, verifying and auditing such books and records. 
 ARTICLE 13. 
 CONTINUED PROVISION OF
SERVICES. 
 13.1 Business Continuity Plan. Fiserv shall (1) maintain and, in the event of a Disaster, implement business
continuity procedures in respect of the Service Locations as set forth in Exhibit 13.1 (collectively, the “Business Continuity Plan”); (2) periodically update and test twice a year, with Northern Trust’s
participation, Business Continuity Plan operability; (3) provide Northern Trust with a current Business Continuity Plan copy; (4) certify in writing to Northern Trust the Business Continuity Plan is fully operational at least twice every
Contract Year; (5) implement the Business Continuity Plan upon the occurrence of a disruption in the provision or receipt of Services (a “Disaster”); (6) consult with Northern Trust regarding Services priority during
pendency of a Disaster; and (7) at least annually during the Term of this Agreement, gain Northern Trust’s written approval to the Business Continuity Plan and provide 

  

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Northern Trust with an overview of Northern Trust responsibilities under the Business Continuity Plan. In the event of a Disaster and as part of the Business
Continuity Plan, Fiserv shall restore those services designated in the Business Continuity Plan as critical services (“Critical Services”) in accordance with the Business Continuity Plan. All services restored by Fiserv shall be
restored in accordance with the Business Continuity Plan. Fiserv may, upon approval of Northern Trust, modify or change the Business Continuity Plan at any time; provided, however, that such change or modification shall not adversely
affect Fiserv’s obligation to restore Services in accordance with this Section 13.1, Article 4, and Section 13.2. 
 13.2 Force Majeure. Neither Northern Trust nor Fiserv shall be liable for a failure or delay in the performance of its obligations pursuant to this Agreement (including in the event of failure or delay in
respect of providing Services) (1) provided that such failure or delay (a) could not have been prevented by reasonable precautions; and (b) cannot reasonably be circumvented by the non-performing party through the use of alternate
sources, work around plans, or other means; and (2) if such failure or delay is caused, directly or indirectly, by fire, flood, earthquake, elements of nature or acts of God, acts of war, terrorism, riots, civil disorders, rebellions or
revolutions in the United States, strikes, lockouts or labor difficulties, or any other similar causes, beyond the reasonable control of such party (each a “Force Majeure Event”). Upon the occurrence of a Force Majeure Event, the
non-performing party shall be excused from any further performance of those of its obligations pursuant to this Agreement to the extent affected by the Force Majeure Event for as long as (i) such Force Majeure Event continues; and
(ii) such party continues to use commercially reasonable efforts to recommence performance. The party who is failing or delayed in performance by a Force Majeure Event shall (x) promptly notify the other party by telephone (to be promptly
confirmed in writing) of the occurrence of a Force Majeure Event; and (y) describe in reasonable detail the circumstances causing the Force Majeure Event. 
 ARTICLE 14. 
 PAYMENTS TO FISERV 
 14.1 Designated Fees. In consideration of Fiserv providing Designated Services, Northern Trust shall pay Fiserv (1) the fees based on unit
prices and volume of each item processing Service as set forth in Exhibit 14.1A (“Designated Item Processing Fees”) and (2) the fees based on unit prices and volume of each lockbox processing Service as set forth in
Exhibit 14.1B (“Designated Lockbox Fees;” Designated Item Processing Fees and Designated Lockbox Fees, subject to Addendum A to Exhibits 14.1A and 14.1B and Addendum B to Exhibit 14.1A and 14.1B, being
collectively, “Designated Fees”). The fee for Services in any month Services are performed shall be the product of volume of items processed in that month multiplied by the applicable unit price set forth in
Exhibit 14.1A or Exhibit 14.1B (as such unit prices may be amended from time to time pursuant to this Agreement). No later than January 15, 2008, Northern Trust shall make a deposit payment to Fiserv in the amount of
$3,000,000 by direct deposit to an account designated by Fiserv. Beginning in February 2008 and continuing for the each of the 30 months thereafter, Northern Trust shall receive from Fiserv (1) a credit for Designated Item Processing Fees in
the amount of $50,000 and (2) a credit for Designated Lockbox Fees in the amount of $50,000. Fiserv shall submit to Northern Trust separate monthly invoices by the 15th day of each month for each of the Designated Item Processing Services and

  

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the Designated Lockbox Services provided during the previous month. Northern Trust shall pay the invoice provided to Northern Trust pursuant to this
Section 14.1 by direct deposit to an account designated by Fiserv within 15 days of Northern Trust’s receipt of such invoice. In the event Northern Trust disapproves of any amount, Northern Trust shall pay to Fiserv no later than
the 15th day of the next month after Northern Trust’s receipt of such invoice any undisputed amounts. Fiserv shall adjust the next invoice to reflect
the changes agreed on by Northern Trust and Fiserv. With respect to any mutually agreed upon charge back fees listed on Exhibit 11, Northern Trust shall submit to Fiserv monthly invoices by the 15th day of each month representing expenses and
other fees incurred by Northern Trust during the previous month relating to the provision of the Services. Fiserv shall pay such invoiced amount to Northern Trust within 15 days of Fiserv’s receipt of such invoice. In the event that the Fees
for a given Contract Year fall below the minimum amounts set forth in Addendum B to Exhibits 14.1A and 14.1B, then Northern Trust shall pay Fiserv for the relevant Contract Year the minimum amount set forth in Addendum B to Exhibits
14.1A and 14.1B. 
 14.2 Fee Schedules During the Initial Term. The Designated Fee schedules as set forth in
Exhibits 14.1A and 14.1B shall remain fixed for the first Contract Year. Thereafter, and subject to the second footnote at the end of Exhibit 3.2, the Fees shall be adjusted no more often than once per Contract Year as
follows. First, such Fees shall be subject to adjustment only for such Contract Years that occur after a preceding calendar year (or years, as the case may be) with respect to which the increase in the Consumer Price Index for Urban Consumers,
published monthly by the U.S. Department of Labor, or any successor index, was greater than 1%. Second, such Fees shall be adjusted only in accordance with the following formula: the applicable annual increase in the CPI less 1% per annum,
multiplied by 77% (the “COLA Factor”; provided, however, that in the event that (1) the COLA Factor falls below 5%, then the Fees shall be adjusted by the actual COLA Factor; (2) the COLA Factor exceeds 5% but is less than
9%, then the Fees shall be adjusted by 5%; or (3) the COLA Factor exceeds 9%, then Fees shall be adjusted by the actual COLA Factor. Any such adjustment shall be for the following period, until the next adjustment, if any. 
 14.3 Fee Schedules During Renewal Term. Prior to any Renewal Term, the parties shall negotiate in good faith to adjust the Fee schedules which
will apply to the Renewal Term. If the parties cannot agree to these adjusted Fees prior to the beginning of such Renewal Term, this Agreement will remain in effect, with Fee schedules unchanged, for an additional Contract Year; and at the end of
such Contract Year, this Agreement will terminate without payment of any termination fees or Termination Losses. 
 14.4 New Service
Fees. In consideration of Fiserv providing any New Service or Change, Northern Trust shall pay Fiserv fees in the manner mutually agreed in accordance with Article 4 (“New Service Fees”; Designated Fees, actual
postage and reasonable out-of-pocket expenses relating to the Services (“Out-of-Pocket Expenses”) and New Service Fees being collectively, “Fees”). 
 14.5 Most Favored Customer. In those geographic markets in which a Service Location exists, Fiserv’s charges to Northern Trust for the
Services shall be at least as low as Fiserv’s lowest charges for similar services to any of Fiserv’s other customers in such markets for (1) similar volumes and (2) similar scope of service and (3) similar performance
standards, in 

  

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each case subject to appropriate adjustments to reflect any tradeoffs made between profit sharing, base prices, subsidies and assumption of existing
operations. Upon request, Fiserv shall provide to Northern Trust a written certificate, signed by an officer of Fiserv, certifying that this Section 14.5 has not been contradicted by any transaction entered into, including any renewal or
amendment of an existing agreement, by Fiserv since the later of (i) the Effective Date or (ii) the date of the most recent certification provided by Fiserv pursuant to this Section 14.5. If Fiserv is unable to provide such
certificate because of any such transaction entered into by Fiserv contradicting this Section 14.5, Fiserv shall give Northern Trust an adjustment to the financial and other terms of this Agreement, including, if appropriate, the lowest
total charges included in any such transaction. Such adjustment shall be retroactively effective as of the date of the first transaction for which such lower charges applied to another Fiserv customer. Any retroactive adjustments shall be paid in
the form of credits against future payments by Northern Trust to Fiserv. 
 14.6 Detailed Invoices. On Northern Trust’s request,
Fiserv shall provide mutually agreeable invoices with varying degree of detail (e.g., per unit, department, project). Fiserv shall only invoice Northern Trust for Services provided to Northern Trust under this Agreement. Any amounts owed to Fiserv
by a Northern Trust affiliate shall be properly invoiced to that Northern Trust affiliate and not Northern Trust. 
 14.7 Time of Payment. Any sum due Fiserv or Northern Trust pursuant to this Agreement that is not being disputed in good faith by the other party and for which time of payment is not otherwise specified shall
be due and payable 15 days after receipt by either party of an invoice or demand for payment. If either party does not make payment when due for items not in dispute, the other party may assess a late fee of 1 1/2% (or such higher amount as may be permitted under applicable law) per month on the outstanding balance. 
 14.8 Set-Off Rights. (1) With respect to any amount payable to Northern Trust or its affiliates by Fiserv pursuant to this Agreement or
otherwise, in the event that earlier payment dates are not specified for such amounts, or Fiserv has not paid such amounts when due, Fiserv shall credit such amounts against Fees in the month for which such amounts owed to Northern Trust became
payable by Fiserv or as soon thereafter as such amounts are known. (2) With respect to any amount not credited to Northern Trust pursuant to Section 14.8(1) that (a) was not accounted for in an invoice; and (b) Northern
Trust in good faith determines should be reimbursed or is owed to Northern Trust, Northern Trust may, upon notice to Fiserv, deduct the entire amount owed against Fees otherwise payable to Fiserv under this Agreement until such time as the entire
amount owed to Northern Trust is paid. 
 14.9 Unused Credits. Any unused credits or charges against payments or credits or charges
owed to Northern Trust by Fiserv pursuant to this Agreement that were not credited to Northern Trust pursuant to Section 14.8 or accounted for in an invoice shall be paid to Northern Trust by Fiserv within 30 days of the expiration or
termination hereof for any reason. 
  

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 ARTICLE 15. 
 TAXES 
 (1) Northern Trust shall pay or reimburse and indemnify Fiserv, for any sales, use or excise
Taxes imposed on Fiserv in connection with Fiserv’s provision of Services hereunder. (2) Northern Trust and Fiserv shall cooperate to segregate Fees into the following separate payment streams: (a) those for taxable Services;
(b) those for nontaxable Services; (c) those for which a sales, use, or similar Tax has already been paid by Fiserv; and (d) those for which Fiserv functions merely as a Northern Trust paying agent in receiving goods, supplies, or
services (including leasing and licensing arrangements) that otherwise are nontaxable or were previously subject to Tax. (3) Fiserv will take all commercially reasonable steps to structure its provision of Services in a manner reasonably
acceptable to Northern Trust so that such Services are not taxable, or subject to any taxing authority’s assertion that such Services are taxable. (4) For purposes of this Article 15, “Taxes” shall mean all
sales, use, transfer, ad valorem, gross receipts or excise taxes and any other similar taxes, fees, duties, or imposts, plus any interest and penalties imposed thereon, and all expenses incurred by Fiserv related to payment or settlement of or
defense against any claim for such taxes; provided that Taxes shall specifically exclude, without limitation, all franchise taxes and all taxes imposed on or measured by the income of Fiserv or Fiserv Agents. 
 ARTICLE 16. 
 AUDITS AND REGULATORY
EXAMINATIONS 
 16.1 Processing. On notice from Northern Trust, Fiserv shall provide such internal auditors, external auditors,
and inspectors as Northern Trust or any federal or state governmental or regulatory authority to which Northern Trust, Northern Trust’s clients or the provision of the Services is subject may designate, with reasonable access to Service
Locations to perform audits or inspections of Fiserv’s processes and procedures (including Fiserv’s provision of Services to Northern Trust). Fiserv shall provide such auditors and inspectors any assistance that they may reasonably
require. If any audit or inspection by an auditor or inspector designated by Northern Trust or a federal or state governmental or regulatory authority having jurisdiction over Northern Trust, Northern Trust’s clients or Fiserv results in Fiserv
being notified that it is not in compliance with applicable laws, regulations, policies, or interpretations thereof promulgated by governmental or any regulatory authority, any generally accepted accounting principles, or other audit requirements
relating to any Services, Fiserv shall, within a reasonable period of time, comply with such audit or federal or state governmental or regulatory authority. In the event that either Northern Trust or Fiserv is audited and a regulatory change is
required, both parties shall engage in cooperative behavior in order to implement such change. On an annual basis or as otherwise required upon notice from Northern Trust, each Service Location shall complete such questionnaires and other
documentation as Northern Trust may request to enable Northern Trust to determine Fiserv’s compliance with (1) the Federal Financial Institutions Examination Council guidance on technology outsourcing and (2) other similar
requirements that may be imposed by a federal or state regulatory authority having jurisdiction over Northern Trust or Northern Trust’s clients. 
  

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 16.2 Regulatory Examinations. The performance of some or all Services is subject to regulation and
examination by state and federal regulatory authorities. Fiserv shall submit to regulations and examinations by all state and federal regulatory authorities having jurisdiction over Northern Trust and Northern Trust’s clients. Notwithstanding
Section 17.4 of this Agreement, Fiserv also acknowledges and agrees that any and all contracts between Fiserv and Northern Trust relating to some or all of the Services may be made available to such state and federal regulatory
authorities for review. 
 16.3 SAS-70 Type II Report. Fiserv shall furnish a SAS-70 Type II report to Northern Trust annually no
later than November 30th of each year that shall cover a rolling 12 month period beginning October 1 through September 30. Fiserv acknowledges that Northern Trust may provide a copy of such SAS-70 Type II report to others who have a
reasonable basis for requesting a copy. Fiserv shall also furnish any such other report(s) as may be mutually agreed upon by the parties hereto. 
 16.4 Anti-Money Laundering/Bank Secrecy Act Assistance. Upon the request of Northern Trust, Fiserv shall take all commercially reasonable steps to cooperate in good faith with Northern Trust in any investigations, reports (including,
without limitation, any suspicious activity reports), filings or other documents or actions Northern Trust may take or complete to comply with federal anti-money laundering and bank secrecy laws and regulations. 
 ARTICLE 17. 
 CONFIDENTIALITY 

 17.1 Definitions. 
 (1)
Northern Trust Information. “Northern Trust Information” means: (a) confidential plans, customer lists, information, research, development, trade secrets, business affairs (including that of any Northern Trust customer,
supplier or affiliate) and other Northern Trust proprietary material; (b) any information and data concerning the business and financial records of Northern Trust’s customers and (c) Northern Trust’s proprietary computer
programs, including custom software modifications, software documentation and training aids, and all data, code, techniques, algorithms, methods, logic, architecture, and designs embodied or incorporated therein (whether or not any such information
is marked with a restrictive legend). 
 (2) Fiserv Information. “Fiserv Information” means: (a) confidential
plans, information, research, development, trade secrets, business affairs (including that of any Fiserv customer, supplier, or affiliate), and other Fiserv proprietary material; and (b) Fiserv’s proprietary computer programs, including
custom software modifications, software documentation and training aids, and all data, code, techniques, algorithms, methods, logic, architecture, and designs embodied or incorporated therein (whether or not any such information is marked with a
restrictive legend). 
 (3) Information. “Information” means Northern Trust Information and Fiserv Information. No
obligation of confidentiality under Section 17.2 applies to any Information that the receiving party (“Recipient”) (a) already possesses without obligation of confidentiality; (b)

  

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develops independently; or (c) rightfully receives without obligation of confidentiality from a third party. No obligation of confidentiality applies to
any Information that is, or becomes, publicly available without breach of this Agreement. 
 17.2 Obligations. Recipient agrees to
hold as confidential all Information it receives from the disclosing party (“Discloser”). Except as otherwise provided in Article 10, all Information shall remain the property of Discloser or its suppliers and licensors.
Except as otherwise provided in Article 10, Information will be returned to Discloser at the termination or expiration of this Agreement. Recipient will use the same care and discretion to avoid disclosure of Information as it uses with its
own similar information that it does not wish disclosed, but in no event less than a reasonable standard of care. However, Northern Trust’s customer information shall be kept confidential at no less than the standard provided by 205 ILCS
5/48.1. Recipient may disclose Information to (a) employees and employees of affiliates who have a need to know; and (b) any other person with Discloser’s prior written consent. For the avoidance of doubt, Recipient shall use
Information for the sole purpose of facilitating the provision of Services under this Agreement and for no other purpose. Recipient may disclose Information to the extent required by law, bank regulatory authorities or the rules of any securities
exchange. However, Recipient agrees to give Discloser prompt notice so that it may seek a protective order. The provisions of this Section 17.2 survive any termination or expiration of this Agreement. 
 17.3 Systems. Each party’s Systems contain information and computer software that are proprietary and confidential information of, its
suppliers, and licensors. Each party agrees not to attempt to circumvent the devices employed by the other to prevent unauthorized access to a system, including, but not limited to, alterations, decompiling, disassembling, modifications, and reverse
engineering thereof. 
 17.4 Confidentiality of this Agreement. Fiserv and Northern Trust agree to keep confidential the prices, terms
and conditions of this Agreement, without disclosure to third parties (except upon the request of bank regulators and as required by law or the rules of any securities exchange). Whenever required by reason of legal or regulatory requirements, a
party may disclose all or any part of this Agreement following reasonable notice to the other party, and after satisfying all reasonable means for masking, deleting, or otherwise protecting all or portions of this Agreement. Notwithstanding the
foregoing, each party may disclose the existence of and general relationship established by this Agreement but not the terms and conditions of this Agreement. 
 17.5 Injunctive Relief. Recipient recognizes that disclosure of Information in respect of Discloser may give rise to irreparable injury to the other party and acknowledges that remedies other than injunctive
relief may not be adequate. Accordingly, Discloser has the right to seek equitable and injunctive relief without implementing dispute resolution procedures described in Article 23 to prevent unauthorized possession, use, disclosure, or
knowledge of any Information, as well as such damages or other relief as is occasioned by such unauthorized possession, use, disclosure, or knowledge. 
 17.6 Legal Action. Recipient shall not commence any legal action or proceeding in respect of any unauthorized possession, use, disclosure or knowledge, or attempt thereof, of Discloser’s Information by any
person or entity, which action or proceeding directly or indirectly identifies Discloser or its Information, without Discloser’s prior written consent. 
  

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 17.7 Non-Solicitation of Employees. During the Term of this Agreement and for a period of one year
thereafter, neither Fiserv nor Northern Trust shall directly or indirectly solicit for employment any persons who are division manager-level employees or above of the other party or its affiliates or subsidiaries; provided, however,
that if any such employee has been dismissed by the other party or its affiliate or subsidiary, Fiserv or Northern Trust may freely solicit such person. The term “solicit for employment” shall not be deemed to include general solicitations
of employment, such as general advertisements, not specifically directed towards employees of Fiserv or Northern Trust. 
 17.8
Non-Solicitation of Northern Trust Customers. During the Term of this Agreement and for a period of one year thereafter, Fiserv shall not solicit the item processing or lockbox processing business in a particular geographic market of any
person or entity for whom Northern Trust performed item processing or lockbox processing services in such market at any time during the Term of this Agreement or with whom Northern Trust has an ongoing client relationship (without the permission of
Northern Trust), except that Fiserv may solicit the item processing or lockbox processing business of any person or entity for whom Northern Trust stopped performing item processing or lockbox processing services prior to two years before such
solicitation and with whom Northern Trust does not have an ongoing client relationship (without the permission of Northern Trust). 
 ARTICLE 18. 
 REPRESENTATIONS AND WARRANTIES 
 18.1 By Northern Trust. Northern Trust represents and warrants that: (1) it is an Illinois banking corporation; (2) it has all corporate
power and authority to execute and deliver this Agreement and perform its obligations hereunder; (3) the execution, delivery and performance of this Agreement are duly authorized by all necessary corporate action; (4) any approval,
authorization or consent of any government or regulatory agency, or notice or filing required to be obtained or made by it in order for it to enter into and perform its obligations under this Agreement shall be obtained or filed prior to the
Effective Date, or immediately upon notice that such approval, authorization, consent, notice or filing is required; (5) it shall comply with all applicable Federal, state and local laws and regulations, and shall obtain all applicable permits
and licenses, in connection with its obligations under this Agreement; (6) as of the Effective Date, it has not disclosed any Fiserv Information which did not previously belong to Northern Trust; (7) Designated Services shall not, and
Northern Trust Proprietary Software does not, infringe any third party proprietary rights; (8) no outstanding litigation, arbitration or other dispute to which Northern Trust is a party exists that, if decided unfavorably to Northern Trust,
would have a material adverse effect on Northern Trust’s ability to fulfill its obligations under this Agreement; (9) it shall not incorporate into any Northern Trust Software or Developed Software any (a) automatic shut-off devices
or “time bombs”; or (b) computer viruses or coding intended to corrupt, delete or otherwise render Fiserv Systems inaccessible; and (10) to the knowledge of Northern Trust, no circumstances of non-compliance by Northern Trust
with any external audit or regulatory authority exist as of the Effective Date which would affect the performance of its obligations under this Agreement. 
  

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 18.2 By Fiserv. Fiserv represents and warrants that: (1) it is a Wisconsin corporation, duly
organized, validly existing and in good standing under the laws of the State of Wisconsin; (2) it has all requisite power and authority to execute, deliver and perform its obligations hereunder; (3) the execution, delivery and performance
of this Agreement are duly authorized; (4) it shall comply with all applicable Federal, state and local laws and regulations, and shall obtain all applicable permits and licenses, in connection with its obligations under this Agreement;
(5) as of the Effective Date it has not disclosed any Northern Trust Information; (6) New Services, Fiserv Systems and Developed Software shall not, and Fiserv Software does not and shall not, infringe any third party proprietary rights;
(7) it shall not incorporate into any Developed Software any (a) automatic shut-off devices or “time bombs”; or (b) computer viruses or coding intended to corrupt, delete or otherwise render inaccessible Northern Trust Data
or Northern Trust Systems; (8) Services shall conform in all material respects to the descriptions set forth in Exhibits 3.1A or 3.1B, as may be amended from time to time; (9) any approval, authorization or consent of any government or
regulatory agency, or notice or filing required to be obtained or made by it in order for it to enter into and perform its obligations under this Agreement shall be obtained prior to the Effective Date, or immediately upon notice that such approval,
authorization, consent, filing or notice is required; (10) to the knowledge of Fiserv, no circumstances of material non-compliance by Fiserv with any external audit or regulatory authority exists as of the Effective Date; and (11) no
outstanding litigation, arbitration or other dispute to which Fiserv is a party that, if decided unfavorably to Fiserv, would have a material adverse effect on Fiserv’s ability to fulfill is obligations under this Agreement. 
 ARTICLE 19. 
 TERMINATION

 19.1 Termination for Convenience. Northern Trust may in its sole discretion terminate this Agreement, in whole or in part,
effective as of any time upon at least one year’s notice to Fiserv (a “Termination for Convenience”). 
 19.2
Termination for Cause. (1) If either party (a) fails to perform any of its material obligations under this Agreement, or (b) breaches any of its material representations or warranties under this Agreement and any such failure
or breach is not cured within 30 days after notice is given to the breaching party specifying the nature of the breach (unless the defaulting party demonstrates to the satisfaction of the other party, acting reasonably, that it is proceeding with
all due diligence to cure or cause to be cured such breach), the non-breaching party may, upon further notice given within 6 months after the end of the 30 day period to the breaching party terminate this Agreement, in whole or in part, as of the
date specified in such notice of termination. (2) If (a) either party repeatedly fails to perform any of its obligations or repeatedly breaches any of its representations or warranties under this Agreement, and (b) such repeated
failures or breaches taken together are material in the aggregate as of the date of the most recent such failure or breach even though cured, then (c) the non-breaching party may, upon notice given within 6 months after the most recent failure
or breach, terminate this Agreement, in whole or in part, as of the date specified in such notice of termination. (3) In the 

  

 23 

 
event of a termination pursuant to Section 19.2(2), Northern Trust or Fiserv, as the case may be, may only terminate (i) those parts of the
Agreement that relate to such failures or breaches; and (ii) such other parts of the Agreement that would be affected adversely or would become less effective or more costly, whether taken alone or together with the terminated portions, and,
therefore, would be rendered ineffective or unpracticable as a result of terminating only those parts of the Agreement that relate to such failures or breaches. 
 19.3 Return of Assets Upon Termination For Cause. If this Agreement is terminated for cause by Northern Trust under Section 19.2 hereof, then Northern Trust, at its option exercised in writing at the time
of such for cause termination, may elect to have Fiserv transfer to Northern Trust all assets, properties and rights directly used in the provision of the Services (the “Returned Assets”). All Returned Assets will be transferred from
Fiserv to Northern Trust at a price equal to the then current aggregate book value of the Returned Assets. The transfer of the Returned Assets to Northern Trust shall not foreclose Northern Trust from seeking any other remedies available to it for
breach of this Agreement or otherwise with respect to the subject transaction. The parties shall cooperate with each other in good faith in case of a transfer of the Returned Assets using reasonable efforts to transfer the Returned Assets to
Northern Trust as expeditiously and smoothly as possible. 
 ARTICLE 20. 
 TERMINATION FEES. 
 20.1 Termination for Convenience in Whole. In the
event of a termination of this Agreement in whole pursuant to Section 19.1, Northern Trust shall pay to Fiserv (1) a termination fee in an amount equal to applicable fees set forth in Exhibit 20.1 for Termination for Convenience;
and (2) Termination Losses. 
 20.2 Termination for Convenience in Part. In the event Northern terminates this Agreement in part
pursuant to Section 19.1, Northern Trust shall pay to Fiserv (1) a termination fee in an amount equal to applicable fees set forth in Exhibit 20.1 multiplied by a percentage equal to the percentage by which Designated Fees will be
reduced as a result of such partial termination and (2) partial Termination Losses applicable thereto. 
 20.3 No Additional
Fees. In the event of a termination of this Agreement (except pursuant to Section 19.2 as a result of a breach by Northern Trust), Northern Trust shall not pay to Fiserv any fees or charges other than the applicable termination fees
set forth in Section 20.1, Section 20.2 or Article 21. In the event of a termination pursuant to Section 19.1 or Section 19.2 as a result of a breach by Northern Trust, Northern Trust shall be
responsible for Termination Losses. In the event of a termination other than pursuant to Section 19.1 or Section 19.2 as a result of a breach by Northern Trust, Fiserv shall be responsible for Termination Losses.
“Termination Losses” shall mean any reasonable out-of-pocket costs directly incurred in connection with closing down Service Locations as a result of such termination, including the unamortized portion of any equipment and start-up
costs incurred by Fiserv, severance with respect to Fiserv Agents employed as of the date of notice of such termination, lease buy-outs contained in contracts in effect as of the date of notice of such termination for equipment, and documented
losses directly incurred on leases or sublets in effect as of the date of notice of such 

  

 24 

 
termination or required to be renewed or entered into to provide services through the date of termination; provided, however, (i) Fiserv
uses its commercially reasonable efforts to mitigate, and permits Northern Trust to mitigate, any Termination Losses payable by Northern Trust pursuant to this Article 20; (ii) Fiserv appoints Northern Trust as its agent under any
contracts pursuant to which Termination Losses are incurred under this Article 20 to mitigate any such Termination Losses; (iii) leases entered into after the Effective Date for any affected Service Location include customary sublet
provisions; and (iv) prior to incurring any such losses, the parties execute a written termination plan that seeks to organize the process of termination and, to the extent possible, minimize the losses resulting from such termination.

 ARTICLE 21. 
 TERMINATION ASSISTANCE 
 On notice from Northern Trust to Fiserv that an expiration or termination of this Agreement will
occur, Fiserv shall (1) on request by Northern Trust, cooperate in good faith with Northern Trust in effecting the orderly transfer of Services to Northern Trust or a third party (it being understood that such cooperation shall include, but not
be limited to, making available to Northern Trust Northern Trust Data as well as Fiserv Agents involved in the provision of Services to facilitate the transition of Services); (2) continue to perform those Designated Services until the
effective date of expiration or termination of this Agreement (“Conclusion Date”); (3) continue to perform those Designated Services requested by Northern Trust after the Conclusion Date; and (4) perform such New Services
as may be requested by Northern Trust pursuant to Article 4 (collectively, the “Termination Assistance Services”). As specified and requested by Northern Trust on notice to Fiserv, in the event of expiration or
termination of this Agreement, subject to price adjustments based on reductions in volumes, but adjusted equitably for fixed expenses that are not volume-sensitive, Fiserv shall continue to provide Services, and Northern Trust shall pay applicable
Fees for provision of Termination Assistance Services (a) for up to one year after the Conclusion Date (the “Termination Assistance Period”) at the rates set forth in Exhibit 14.1; and (b) for up to one year
from the Termination Assistance Period expiration at 150 percent of rates set forth in Exhibit 14.1. In the event that Fiserv continues to provide Services to Northern Trust after the Conclusion Date, the respective licenses of Software
by Fiserv and Northern Trust in Article 10 shall continue in accordance with the terms of Article 10 for so long as Fiserv continues to provide such Services to Northern Trust. 
 ARTICLE 22. 
 EXIT PLAN 
 Upon the expiration or termination of this Agreement: 
 (1) Fiserv shall provide Termination Assistance Services in accordance with Article 21; 
  

 25 

 (2) each party shall have the rights specified in Article 10 in respect of
Software; 
 (3) on Northern Trust’s request with respect to any contracts applicable solely to services being provided
to Northern Trust for maintenance, disaster recovery services, and other necessary third party services (other than subcontractor services) being used by Fiserv to perform Services as of the expiration or termination, Fiserv shall transfer or assign
such agreements to Northern Trust or its designee, on terms and conditions acceptable to both parties; and 
 (4) Fiserv and
Northern Trust shall cooperate in good faith to ensure that Fiserv continues to have access to mail delivered to the 60675 postal box being rented by Northern Trust to enable Fiserv to continue to perform services substantially similar to the
Services to Fiserv’s other clients. Such continued access to such mail shall be on terms to be mutually agreed by the parties at the time of such expiration or termination. 
 ARTICLE 23. 
 DISPUTE RESOLUTION. 
 23.1 Dispute Managers. All disputes relating to the performance of Services or otherwise relating to this Agreement (a “Dispute”)
shall initially be referred to the Relationship Managers. If the Relationship Managers are unable to resolve a Dispute within 4 business days after referral to them, the parties shall submit such Dispute to the Management Committee. 
 23.2 Management Committee. The Management Committee shall meet at least quarterly (or at such other time as either party may designate in a notice
to the other party) in person, by conference call, or video conference for the purpose of resolving Disputes that have been submitted to them under this Agreement. The Management Committee shall consider Disputes in the order such Disputes are
submitted to it. In the event the Management Committee is unable to resolve a Dispute within 5 business days of the meeting date during which such Dispute was considered, the Management Committee shall notify senior management of each party of such
Dispute pursuant to Section 23.3. 
 23.3 Management Oversight. Either party may, upon notice and within 15 days of
receipt of a notice from the Management Committee of an unresolved Dispute pursuant to Section 23.2, elect to utilize a non-binding resolution procedure whereby each presents its case at a hearing (“Hearing”) before a
panel consisting of 2 senior executives of each party and, if such executives can agree upon such an individual, a mutually acceptable neutral advisor. If either party elects to use the procedure set forth in this Section 23.3, the other
party shall participate. The Hearing will occur no more than ten days after a party serves notice to use the procedure set forth in this Section 23.3. Each party may be represented at the Hearing by lawyers. If the matter cannot be
resolved at such Hearing by such senior executives, the neutral advisor, if one has been agreed upon, may be asked by either party to assist such senior executives in evaluating the strengths and weaknesses of each party’s position on the
Dispute’s merits. Within thirty (30) days after the Hearing, such senior executives shall meet and try again to resolve the Dispute. If the Dispute cannot be resolved at such meeting, such senior executives shall inform their 

  

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respective senior management and each party may, but shall not be obligated to, submit to binding arbitration regarding the Dispute as provided for in
Section 23.4. The proceedings occurring pursuant to this Section 23.3 will be without prejudice to either party’s legal position with respect to the Dispute. Except as set forth in Section 23.4, no
arbitration or litigation may commence concerning the Dispute until 10 business days have elapsed from the last day of the Hearing. The parties shall each bear their respective costs incurred in connection with the procedure set forth in this
Section 23.3, except that they shall share equally the fees and expenses of the neutral advisor, if any, and the Hearing facility cost. 
 23.4 Arbitration. If a Dispute is not resolved pursuant to Section 23.3, the parties may agree, but shall not be obligated, within 60 business days after the completion of the procedures set forth in
Section 23.1, Section 23.2, and Section 23.3, as appropriate, upon notice, to submit the Dispute to formal binding arbitration in accordance with this Section 23.4. If a party commences litigation
regarding such Dispute, no arbitration may be commenced by the other party regarding such Dispute. If the parties agree to formal binding arbitration, the following procedures shall apply: 
 (1) The arbitration shall be held in Chicago, Illinois before a panel of 3 arbitrators. Either Northern Trust or Fiserv may, by notice to
the other party, request arbitration by serving on the other party a statement of dispute, controversy, or claim and the facts relating or giving rise thereto, in reasonable detail, and the name of the arbitrator selected by it. 
 (2) Within 30 days after receipt of such notice pursuant to clause (1), the other party shall (a) deny the request for arbitration,
or (b) name its arbitrator. The two arbitrators named by the parties shall, within 10 days after the date of such notice, select the third arbitrator. 
 (3) The arbitration shall be governed by the Commercial Arbitration Rules of the American Arbitration Association, as may be amended from time to time, except as expressly provided in this Section 23.4;
provided, however, that the arbitration shall be administered by any organization agreed upon by the parties. The arbitrators may not amend or disregard any provision of this Section 23.4. 
 (4) The arbitrators shall allow such discovery regarding a Dispute as is appropriate for the purposes of arbitration in accomplishing
fair, speedy, and cost-effective resolution of disputes. The arbitrators shall reference the rules of evidence of the Federal Rules of Evidence then in effect in setting the scope and direction of such discovery. In resolving a Dispute, the
arbitrators shall not be required to make findings of fact or render opinions of law. 
 (5) The decision of and award
rendered by the arbitrators shall be final and binding on the parties. Judgment on the award may be entered and enforced by any court of competent jurisdiction. The arbitrators shall have no authority to award damages in excess of or in
contravention of Article 25. 
  

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 Except (a) for an action to seek injunctive relief to prevent a stay or breach of Article 10,
Article 17, or Section 23.6; or (b) any action necessary to enforce the arbitrators’ award, if submitted to arbitration, the provisions of this Section 23.4 are a complete defense to any suit, action, or
other proceeding instituted in any court or before any administrative tribunal with respect to any Dispute. 
 23.5 Critical Disputes.
In the event either party determines in good faith that the resolution of a Dispute is critical to its business, such party may at any time proceed directly to the stage described in Section 23.3 prior to the commencement of an
arbitration or litigation in respect of such Dispute. 
 23.6 Continuity of Services. Northern Trust and Fiserv each acknowledges that
the provision of Services is critical to their respective business and operations. Accordingly, in the event of a Dispute pursuant to which Northern Trust believes in good faith it is entitled to withhold payment and during the pendency of an
arbitration pursuant to Section 23.4 or litigation, Fiserv shall continue to provide Services, and Northern Trust shall continue to pay any undisputed amounts to Fiserv, in accordance with Section 14.1. 
 ARTICLE 24. 
 INDEMNIFICATION 

 24.1 By Northern Trust. Northern Trust shall indemnify, defend and hold
harmless each of Fiserv, the Fiserv Agents, and their respective affiliates, officers, employees and directors from and against any claims, losses, liabilities, and damages (including taxes and related penalties) and all related costs and expenses,
including, reasonable attorneys’ fees and expenses and costs of litigation, settlement, judgment, appeal, interest, and penalties as relates to either party (“Losses”) arising out of or relating to (1) any claim by a third
party that Northern Trust Proprietary Software, Developed Software developed by Northern Trust or Northern Trust Agents or Northern Trust Systems infringe on any third party’s proprietary rights (except as may have been caused by a modification
by Fiserv or Fiserv Agents); (2) any claim by a third party in respect of services or systems provided by Northern Trust to such third party; (3) any claim based on the personal injury (including death) or damage to property received or
sustained (a) by reason of any act or omission, whether negligent or otherwise, to the extent caused by Northern Trust or Northern Trust Agents; and (b) at any Northern Trust locations, including premises owned or leased by Northern Trust,
or other Northern Trust property to the extent not licensed or sublet to Fiserv or otherwise used by Fiserv; (4) except as may arise pursuant to Section 24.2(1), any claim against Fiserv by a third party arising out of Northern
Trust’s or Northern Trust’s Agents’ use of any Northern Trust Third Party Software; (5) any costs incurred by Fiserv resulting from a breach of a Northern Trust representation or warranty in this Agreement; (6) fees and
expenses incurred in enforcement of this indemnity by Fiserv and (7) any claim against Fiserv by a third party arising out of Fiserv’s creation of a Substitute Check (as that term is defined in the Check Clearing for the 21st Century Act, known as Check 21) at Northern Trust’s request, unless such claim, liability, loss or damage arises out of Fiserv’s negligence or
willful misconduct or out of Fiserv’s Agents’ negligence or willful misconduct. Northern Trust acknowledges and agrees that it is the Reconverting Bank and may be the Truncating Bank (as defined in Check 21) and is responsible for all
warranties and indemnifications of a Reconverting 

  

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Bank as set forth in Check 21. Fiserv shall have no obligation to verify the accuracy of information provided to Fiserv by Northern Trust to create
Substitute Checks. Fiserv shall have an obligation to screen the Substitute Checks for compliance with the X9.37 file standard, or the applicable ANSI standard in effect from time to time, and for creating Substitute Checks in compliance with the
information provided by Northern Trust to Fiserv for conversion to Substitute Checks. 
 24.2 By Fiserv. Fiserv shall indemnify,
defend and hold harmless, each of Northern Trust, the Northern Trust Agents, and their respective affiliates, officers, employees and directors from and against any Losses arising out of or relating to (1) any claim by a third party that
Services, Developed Software developed by Fiserv or Fiserv Agents, Fiserv Software, or Systems infringe on any third party’s proprietary rights (except as may have been caused by modification by Northern Trust or Northern Trust Agents);
(2) any claim by a third party in respect of services or systems provided by Fiserv or Fiserv Agents to such third party (including customers of Northern Trust); (3) any claim based on the personal injury (including death) or damage to
property received or sustained (a) by reason of any act or omission, whether negligent or otherwise, to the extent caused by Fiserv or Fiserv Agents; and (b) at any Fiserv locations including premises owned, leased, licensed, subleased, or
sublicensed by Fiserv, or other Fiserv property; (4) except as may arise pursuant to Section 24.1(1), any claim by a third party arising out of the use by Northern Trust, Northern Trust Agents, Northern Trust affiliates, Fiserv, or
Fiserv Agents of any Fiserv Third Party Software (except as may be caused by Northern Trust’s or Northern Trust Agents’ use of Fiserv Third Party Software in violation of Fiserv Third Party Software licenses); (5) any costs incurred
by Northern Trust resulting from a Fiserv breach of a representation or warranty in this Agreement; and (6) any fees and expenses incurred in enforcement of this indemnity by Northern Trust. 
 24.3 Indemnification Procedures. If any third party makes a claim covered by Section 24.1 or Section 24.2 against any
indemnitee (an “Indemnitee”) with respect to which such Indemnitee intends to seek indemnification under Section 24.1 or Section 24.2, such Indemnitee shall give notice of such claim to the indemnifying party
(under Section 24.1 or Section 24.2) (the “Indemnifying Party”) including a brief description of the amount and basis therefor, if known; provided, that the failure to give such notice shall not
relieve the Indemnifying Party of its obligations under this Article 22 except to the extent that it has been actually prejudiced thereby. Upon giving the notice, the Indemnifying Party shall be obligated to defend such Indemnitee against
such claim, and shall be entitled to assume control of claim defense with counsel chosen by the Indemnifying Party. The Indemnitee shall cooperate fully with, and assist, the Indemnifying Party in its defense against such claim. The Indemnifying
Party shall keep the Indemnitee fully apprised at all times as to status of the defense. Notwithstanding the foregoing, the Indemnitee shall have the right to employ its own separate counsel in any such action, but the fees and expenses of such
counsel shall be at such Indemnitee’s expense; provided, however, (1) if the parties agree that it is advantageous to the defense for the Indemnitee to employ its own counsel; or (2) in the reasonable judgment of the
Indemnitee, based upon an opinion of counsel that shall be provided to the Indemnifying Party, a conflict of interest exists with respect to such claim, then reasonable fees and expenses of the Indemnitee’s counsel shall be at the Indemnifying
Party’s expense as the Indemnitee accrues such fees and expenses, provided that the Indemnifying Party approves such counsel. Neither the Indemnifying Party nor the Indemnitee shall be liable for or bound by any settlement of any action
or claim effected without its consent. 
  

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 Notwithstanding the foregoing, the Indemnitee shall retain, assume, or resume sole
control over every aspect of defense that it believes is not the subject of the indemnification provided for in Section 24.1 or Section 24.2. 
 Until both (1) the Indemnitee receives notice from the Indemnifying Party that it will defend; and (2) the Indemnifying Party
assumes such defense, the Indemnitee may, at any time from the date notice of claim is given to the Indemnifying Party by the Indemnitee, resist or otherwise defend the claim or, after consultation with and consent of the Indemnifying Party, settle
or otherwise compromise or pay the claim. The Indemnifying Party shall pay all Indemnitee costs and Losses related to that defense and any such settlement, compromise, or payment. The Indemnitee shall keep the Indemnifying Party fully apprised at
all times as to status of the defense. 
 Following indemnification as provided in Section 24.1 or
Section 24.2, the Indemnifying Party shall be subrogated to all rights, subject to Section 24.4, of the Indemnitee with respect to the matters for which indemnification has been made. 
 24.4 Contribution. Notwithstanding anything to the contrary contained in this Agreement, Northern Trust and Fiserv shall contribute to amounts
paid or payable as a result of any Losses referred to in Section 24.1(2) or Section 24.2(2) in such proportion as is appropriate to reflect the relative fault of Northern Trust, on the one hand, and Fiserv, on the other hand,
in connection with actions or omissions that resulted in such Losses, as well as any other relevant equitable considerations. Northern Trust and Fiserv agree that it would not be just and equitable if contributions pursuant to this
Section 24.4 were to be determined by any method of allocation that does not take account of the equitable considerations referred to in the first sentence of this Section 24.4. 
 24.5 18-Month Limitation on Certain Claims. Notwithstanding anything else contained herein, any claim for indemnification hereunder relating to
representations or warranties must be made within 18 months of the date hereof. 
 ARTICLE 25. 
 DAMAGES AND LIMITATION OF LIABILITY. 
 25.1 Direct Damages. Northern Trust and Fiserv each shall be liable to the other party for any direct damages relating to its performance or breach of any of its obligations, representations or warranties under this Agreement;
provided, however, that the liability of each party relating to all claims for damages pursuant to this Section 25.1 arising in a particular Contract Year shall not exceed $6,000,000 (“Yearly Damage Cap”).

 (1) The following shall be considered, without limitation, Northern Trust direct damages, and Fiserv shall not assert that
they are indirect, incidental, special, or consequential damages or lost profits or otherwise not recoverable pursuant to Section 25.2 to the extent they result from Fiserv’s failure to provide Services in accordance with this
Agreement: 
 (a) costs of recreating or restoring any Northern Trust Data or information lost or damaged; 
  

 30 

 (b) costs of implementing a work around in respect of a failure to provide all or a
portion of Services; 
 (c) costs of replacing lost or damaged Northern Trust Systems, Northern Trust Software, Developed
Software, and materials; 
 (d) costs incurred by Northern Trust to procure Services from an alternate source, to the extent
that such costs exceed the amount that would have been owed or paid, as may be applicable, by Northern Trust to Fiserv for such services; 
 (e) fines or penalties imposed on Northern Trust by any government or regulatory agency as a result of such failure to the extent that such fine or penalty is not a result of Services performed in a manner
(i) required by Northern Trust; or (ii) consistent with the procedures and practices in place as of the Effective Date; 
 (f) costs of remedying processing errors and processing delays, including costs of reconstructing lost, damaged, or destroyed cash letters and other items; 
 (g) liability to bank customers or other financial institutions under the Uniform Commercial Code, the Electronic Funds Transfer Act,
Northern Trust’s Terms for Deposit Accounts and Banking Services or Terms for Lockbox Services, or under any other regulation or statute for any processing or other errors in providing the Services, including liability for the loss of use of
any funds incurred by reason of any error or omission calculated at the applicable Federal Funds rate at the time of such error or omission; 
 (h) payments to customers of Northern Trust as a result of the failure of Fiserv to perform the Services; and 
 (i) straight time, overtime, or related expenses incurred by Northern Trust, including wages and salaries of additional employees, travel expenses, overtime expenses, telecommunication charges, and similar charges,
due to Fiserv’s failure to provide all or a portion of Services or incurred in connection with (a) through (h) above. 
 (2) The following shall be considered, without limitation, Fiserv direct damages, and Northern Trust shall not assert that they are indirect, incidental, special or consequential damages or lost profits or otherwise not recoverable pursuant
to Section 25.2 to the extent that they result from Northern Trust’s failure to provide Northern Trust Retained Responsibilities in accordance with this Agreement: 
 (a) costs of recreating or restoring any Fiserv data or information lost or damaged; 
  

 31 

 (b) costs of implementing a work-around in respect of a failure to provide all or a
portion of Northern Trust Retained Responsibilities; 
 (c) costs of replacing lost or damaged Fiserv equipment, Fiserv
Systems, Fiserv Software, Developed Software and materials; 
 (d) costs and expenses incurred by Fiserv to procure from an
alternate source the services provided by Northern Trust as part of Northern Trust Retained Responsibilities; and 
 (e) costs
of remedying processing errors and processing delays, including costs of reconstructing lost, damaged or destroyed documents and other items. 
 (3) If, at any time, either Northern Trust or Fiserv has received damages from the other party pursuant to this Section 25.1, and recovers funds, payments, and costs from a third party relating to damages
for which the other party is liable, the amounts so recovered (less the costs of recovery and amounts paid to the other party) shall be remitted to the other party. A party liable pursuant to this Section 25.1 shall seek recovery in
respect of any insured liability from its insurance carrier to the greatest extent pursuant to this Agreement and as promptly as possible. The proceeds of such insurance shall be used to reimburse the other party for any damages sustained by the
other party in excess of those reimbursed pursuant to the first paragraph of Section 25.1. When insurance proceeds are received, the party who has sustained damages shall be paid in addition to any amount previously paid with respect to
such damages no more than the amount of insurance proceeds paid covering such damages. 
 (4) For purposes of
Section 25.1(1) and Section 25.1(2), actions taken during a given month or on or prior to a particular date shall mean actions taken with respect to transactions processed or Services rendered by Fiserv or Northern Trust
during such month or on or prior to such date, as the case may be, regardless of when resolved or written off. Actions shall include any acts or omissions of Fiserv or Fiserv Agents or Northern Trust or Northern Trust Agents in performing Services.

 25.2 Consequential Damages. Neither Fiserv nor Northern Trust shall be liable for any indirect, incidental, special or
consequential damages of the other party relating to either party’s performance under this Agreement; provided, that Fiserv shall be liable for any indirect, incidental, special or consequential damages of Northern Trust’s and its
affiliates’ customers that are direct damages of Northern Trust or its affiliates. 
 25.3 Exclusions. The limitations or
exculpations of liability set forth in Sections 25.1 and 25.2 are not applicable to (1) the failure of either party to make payments; (2) a breach of Article 17; or (3) liability resulting from a
party’s bad faith, gross negligence, or willful misconduct. 
 25.4 Acknowledgment. Northern Trust and Fiserv each acknowledge
that the limitations and exclusions contained in this Article 25 are the subject of active and complete negotiation between the parties and represent the parties’ agreement based upon the level of risk to Northern Trust and Fiserv
associated with their respective obligations under the Agreement. 
  

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 ARTICLE 26. 
 MISCELLANEOUS. 
 26.1 Assignment and Subcontractors. Fiserv shall not, without Northern
Trust’s prior written consent, assign any of its rights or obligations under this Agreement or any amounts payable pursuant to this Agreement. Any such subcontractors shall be required to comply with all applicable terms and conditions. Fiserv
may subcontract any Services to be performed hereunder with the prior written consent of Northern Trust. Northern Trust’s consent to any assignment or subcontracting shall not relieve Fiserv of any of its obligations whatsoever under this
Agreement. This Agreement shall be binding on the parties and their respective successors and permitted assigns. Any assignment in contravention of this Section 26.1 shall be void. 
 26.2 Notices. All notices, requests, approvals, consents, and other communications required or permitted to a party under this Agreement
(“Notices”) shall be in writing and shall be sent by facsimile to the facsimile number specified below for such party and the party sending such notice shall telephone the other party at the telephone number specified below for such
party to confirm receipt. A Notice shall be deemed received (1) if sent during normal business hours on a business day, on the day on which it is sent, (2) if sent at any other time, on the following business day. A copy of any such Notice
shall also be sent by registered express mail or courier with capacity to verify receipt of delivery on the date such Notice is transmitted by facsimile to the address specified below for such party: 
 In the case of Fiserv: 
 Fiserv Solutions,
Inc. 
 c/o Anna M. Quinlan 
 350
North Orleans 
 8th Floor 
 Chicago, IL 60654 
 Telephone No.: (312) 660-5103 
 Facsimile
No.: (312) 660-5102 
 With a copy to: 
 Charles W. Sprague, Esq. 
 General Counsel 
 Fiserv, Inc. 
 255 Fiserv Drive 
 Brookfield, Wisconsin 53045 
 Telephone No.:
(262) 879-5517 
 Facsimile No.: (262) 879-5532 
  

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 In the case of Northern Trust: 
 Donald E. Berk 
 Senior Vice President

 The Northern Trust Company 
 50
South LaSalle Street, L-4 
 Chicago, Illinois 60603 
 Telephone No.: (312) 444-2440 
 Facsimile No.: (312) 557-1846 
 With a copy to: 
 Lenora Smith, Esq.

 Senior Attorney 
 The Northern
Trust Company 
 50 South LaSalle Street, M-9 
 Chicago, Illinois 60603 
 Telephone No.: (312) 557-3267 
 Facsimile No.: (312) 630-1596 
 Either
party may change its address or telephone or facsimile number for Notices by giving the other party notice of the new address or telephone or facsimile number and the date upon which it will become effective. 
 26.3 Counterparts. This Agreement may be executed in any number of counterparts, each of which shall be an original, and all of which taken
together shall constitute one single agreement between the parties. 
 26.4 Headings. The Article and Section headings and
the table of contents are for reference and convenience only and shall not be considered in the interpretation of this Agreement. 
 26.5
Relationship. Except as otherwise provided in this Agreement, Fiserv’s performance of its duties and obligations under this Agreement shall be that of an independent contractor. Nothing contained in this Agreement shall create or imply
an agency or employer-employee relationship between Fiserv and Northern Trust, nor shall this Agreement be deemed to constitute a joint venture or partnership between the parties. 
 26.6 Consents, Approval, and Requests. Except as specifically set forth in this Agreement, all consents, approvals, acceptance, or similar actions
to be given by either party under this Agreement shall not be unreasonably withheld or delayed and each party shall make only reasonable requests under this Agreement. 
 26.7 Severability. If any provision of this Agreement is held to be illegal, unenforceable or invalid, the other provisions shall continue in full force and effect and there shall be deemed substituted for the
provision at issue, a legal, enforceable and valid provision as similar as possible as the provision at issue. 
  

 34 

 26.8 Waiver. Either party’s failure to insist on strict performance of any of the provisions
hereunder shall in no manner affect its right at a later time to enforce the same. No waiver of any provision of this Agreement in any one or more instances shall be deemed to be a further or continuing waiver of any such provision in other
instances or a waiver of any other provision. 
 26.9 Publicity. Each party shall submit to the other all advertising, written sales
promotion, press releases, and other publicity matters relating to this Agreement in which the other party’s name or mark is mentioned or language from which the connection of said name or mark may be inferred or implied, and shall not publish
or use such advertising, sales promotion, press releases, or publicity matter without the other party’s approval. 
 26.10 Entire
Agreement. This Agreement, including its Exhibits, which are expressly incorporated herein by reference, constitutes the complete and exclusive statement of the agreement between the parties as to the subject matter hereof and supersedes all
previous agreements with respect thereto. No amendment to, or change, waiver, or discharge of, any provision of this Agreement shall be valid unless in writing and signed by an authorized party representative against which such amendment, change,
waiver, or discharge is sought to be enforced. The parties hereto agree that the Payments Systems Services Agreement dated as of October 20, 1998 between Northern Trust and Fiserv shall terminate and be superseded by this Agreement as of the
Effective Date. 
 26.11 Interpretation of Documents. In the event of a conflict between this Agreement and any New Services Schedule,
the terms of such New Services Schedule shall prevail. 
 26.12 Governing Law. This Agreement shall be governed by the substantive
laws of the State of Illinois, without reference to provisions relating to conflict of laws. Except as provided in Article 23, the state courts of the County of Cook, Illinois and the United States District Court for the Northern District of
Illinois shall have the exclusive jurisdiction over any and all claims, lawsuits and litigation relating to or arising out of this Agreement, the subject matter hereof or the transactions contemplated hereby. Each of the parties hereto hereby
irrevocably (a) submits to the personal jurisdiction of such courts over such party in connection with any litigation, proceeding or other legal action arising out of or in connection with this Agreement, the subject matter hereof or the
transactions contemplated hereby, (b) waives to the fullest extent permitted by law any objection to the venue of any such litigation, proceeding or action which is brought in any such court and (c) agrees to the mailing of service of
process to the address specified above for such party as an alternative method of service of process in any legal proceeding brought in any such court. 
 26.13 Survival. Except as expressly provided herein, all rights and obligations of the parties under this Agreement shall survive the expiration or termination of this Agreement. 
 26.14 Prevailing Party. The prevailing party in any suit or action brought against the other party to enforce the terms of this Agreement or any
rights or obligations hereunder shall be entitled to receive reimbursement of its costs, expenses and attorneys’ fees and disbursements, including without limitation the costs and expenses of experts and internal resources expended, actually
incurred in connection with such suit or action. 
  

 35 

 26.15 Third Party Beneficiaries. Except as expressly provided herein, this Agreement shall not
benefit or create any right or cause of action in or on behalf of any person or entity other than Northern Trust and Fiserv. 
 26.16
Covenant of Further Assurances. Northern Trust and Fiserv each agree that, subsequent to the execution and delivery of this Agreement and without any additional consideration, Northern Trust and Fiserv each shall execute and deliver any
further legal instruments and perform any acts that are or may become necessary to effectuate the purposes of this Agreement. 
 26.17
Interpretation of Certain Terms. All usage of the word “including” or the phrase “e.g.,” in this Agreement shall mean “including, without limitation,” throughout this Agreement. 
 26.18 Insurance. During the Term, Fiserv shall maintain at its sole expense the following insurance with financially sound and reputable insurers.
Within a reasonable period of time, and annually thereafter, Northern Trust and Fiserv shall review the amounts of insurance coverage required pursuant to this Agreement. Consideration shall be given to Fiserv’s performance and changes of
volume, dollar value, mix of Services, and processing risks (based on the use of such technology), in determining whether recalibration of coverage is required. 
 (1) Insurance covering all risks of loss or damage to any checks and other items and data (including Reconstruction Costs) from any cause while in Fiserv’s or Fiserv Agents’ possession in an amount not less
than $5 million per occurrence. For the purposes hereof, “Reconstruction Costs” includes actual market value of lost, damaged, or destroyed Securities at the close of business on the business day immediately preceding the day on
which the loss is discovered, or for more than the actual cost of replacing Securities, whichever is less, plus the cost to post any required Lost Instrument Bonds. Such costs shall be paid by Fiserv or Fiserv’s insurance carrier. Valuation
shall also include the cost of blank books, pages, tapes, or other blank materials to replace lost or damaged books of account or other records and the actual cash value at time of loss of other lost, damaged, or destroyed property or for more than
the actual cost of repairing or replacing the property with property of similar quality and value, whichever is less. For purposes hereof, “Securities” means all negotiable and non-negotiable instruments or contracts representing
either money or other property, including Northern Trust Data, revenue, and other stamps in current use, tokens and tickets, but not including money. 
 (2) Commercial General Liability Insurance in an amount not less than $1 million per occurrence for claims arising out of bodily injury and property damage, personal injury, and Broad Form Contractual Liability
Insurance to insure against any liability arising out of this Agreement. 
 (3) Automobile Liability and Property Damage insurance on
vehicles, if any, used to transport Northern Trust Data or other items in an amount not less than $1 million per occurrence for bodily injury and property damage, including vehicles for hire coverage. 
 (4) Commercial Crime Insurance, including fidelity, transit, and premises, in an amount not less than $5 million per occurrence, which shall respond to
any loss involving Northern Trust Data under Fiserv’s care, custody, and control. 
  

 36 

 (5) Errors and Omissions/Professional Liability Insurance in an amount not less than $5 million per
occurrence, which shall include coverage for claims for loss or liability to third parties (including customers of Northern Trust) arising out of Fiserv’s performance of, or failure to perform, its obligations to Northern Trust under this
Agreement. 
 Simultaneously with Fiserv’s execution of this Agreement and annually thereafter Fiserv shall deliver to Northern Trust
original certificates issued by the insurers evidencing the coverage required by this Section 26.18. Each certificate must unequivocally specify that at least 60 days’ notice shall be given to Northern Trust in the event of any
material change or cancellation of coverage for any reason. 
 26.19 Marketing Assistance. Fiserv shall assist Northern Trust in
marketing the Services to current and potential clients. Northern Trust will contact the Fiserv Relationship Manager to assist Northern Trust in retaining existing clients and assisting in new business development, including working with designated
Northern Trust employees to respond to requests for proposals, develop marketing materials and standard proposal documentation. Fiserv will respond to all client or prospective client proposals within 5 business days of a Northern Trust request,
with either the requested materials or a plan to provide such materials within a reasonable time period. Fiserv, at the request of Northern Trust, will attend client and prospective client meetings to make presentations on Fiserv capabilities.
Northern Trust will contact the Fiserv Relationship Manager to make available Fiserv conducted tours of its facilities during normal business hours. In addition, Fiserv and Northern Trust covenant and agree to use commercially reasonable efforts to
comply with the requirements and guidelines set forth in the Relationship Management model set forth in Exhibit 26.19. In the event that a party hereto fails to comply with the requirements and guidelines set forth in Exhibit 26.19, such
failure shall be deemed to be a Dispute subject to the resolution procedures set forth in Article 23 of this Agreement. 
 [Remainder of page
left blank intentionally.] 
  

 37 

 IN WITNESS WHEREOF, the parties have caused this Agreement to be executed by their duly authorized
representatives as of the date first above written. 
  

									
	For Northern Trust:	 		 	For Fiserv:
			
	THE NORTHERN TRUST COMPANY	 		 	FISERV SOLUTIONS, INC.
					
	By:	 	 /s/ Donald E. Berk
	 		 	By:	 	 /s/ Thomas W. Warsop, III

	Name:	 	Donald E. Berk	 		 	Name:	 	Thomas W. Warsop, III
	Title:	 	Senior Vice President	 		 	Title:	 	Group President

 Further, the undersigned parties hereby agree that the Lockbox Services Agreement dated as of
June 15, 2001 between Northern Trust and RemitStream Solutions, LLC, a Delaware limited liability company formerly known as Northern Fiserv, LLC (“RemitStream”), shall terminate and be superseded in its entirety by this Agreement as
of the Effective Date. 
 IN WITNESS WHEREOF, Northern Trust and RemitStream have caused the termination provision immediately preceding this
paragraph to be executed by their duly authorized representatives as of the date first above written. 
  

									
	For Northern Trust:	 		 	For RemitStream:
			
	THE NORTHERN TRUST COMPANY	 		 	REMITSTREAM SOLUTIONS, LLC
					
	By:	 	 /s/ Donald E. Berk
	 		 	By:	 	 /s/ Anna M. Quinlan

	Name:	 	Donald E. Berk	 		 	Name:	 	Anna M. Quinlan
	Title:	 	Senior Vice President	 		 	Title:	 	President

  

 38 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	  	Process Description	  	Service Includes	  	Service Excludes
	 	  	Standard < than 750,000 items Per Client	  	 	  	 
	 1
	  	Standard
Transit -
Chicago
City	 	Prime Pass Item	  	For clients less than 750,000 items a month, the processing of debit items which are drawn upon other banks that have
Routing/Transits classified as Chicago City items according to the Chicago Federal Reserve.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 2
	  	Standard
Transit -
Chicago
RCPC	 	Prime Pass Item	  	For clients less than 750,000 items a month, the processing of debit items which are drawn upon other banks that have
Routing/Transits classified as Chicago RCPC items according to the Chicago Federal Reserve.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 3
	  	Standard
Transit -
Other Fed	 	Prime Pass Item	  	For clients with less than 750,000 items a month, the processing of debit items which are drawn upon other banks that have
Routing/Transits classified as Other Fed items according to the Federal Reserve Banks.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 4
	  	Standard
Transit -
CORR DF	 	Prime Pass Item	  	For clients with less than 750,000 items a month, the processing of debit items which are drawn upon other banks that have
Routing/Transits classified as CORR DF items according to the Northern Trust relationships.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 5
	  	Standard
Transit -
On-Us	 	Prime Pass Item	  	For clients with less than 750,000 items a month, the processing of debit items which are drawn upon Northern
Trust	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits / credits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 	  	Major Transit = > than 750,000 items Per Client	  	 	  	 
	 6
	  	Major
Transit -
Chicago
City	 	Prime Pass Item	  	From a single client with more than 750,000 items a month, the processing of debit items which are drawn upon other banks
that have Routing/Transits classified as Chicago City items according to the Chicago Federal Reserve.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 7
	  	Major
Transit -
Chicago
RCPC	 	Prime Pass Item	  	From a single client with more than 750,000 items a month, the processing of debit items which are drawn upon other banks
that have Routing/Transits classified as Chicago RCPC items according to the Chicago Federal Reserve.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 1 of 11 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	  	Process Description	  	Service Includes	  	Service Excludes
	 8
	  	Major
Transit -
Other Fed	 	Prime Pass Item	  	From a single client with more than 750,000 items a month, the processing of debit items which are drawn upon other banks
that have Routing/Transits classified as Other Fed items according to the Federal Reserve Banks.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  spatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 9
	  	Major
Transit -
CORR DF	 	Prime Pass Item	  	From a single client with more than 750,000 items a month, the processing of debit items which are drawn upon other banks
that have Routing/Transits classified as CORR DF items according to the Northern Trust relationships.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  alancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 10
	  	Major
Transit -
On-Us	 	Prime Pass Item	  	From a single client with more than 750,000 items a month, the processing of debit items which are drawn upon Northern
Trust	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1. Encoding
of debits / credits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 	  	Lockbox Transit	  	 	  	 	  	 
	 11
	  	Lockbox
Transit -
Chicago
City	 	Prime Pass Item	  	Lockbox deposited items prepared by Fiserv and deposited in Northern Trust accounts. The processing of debit items which
are drawn upon other banks that have Routing/Transits classified as Chicago City items according to the Chicago Federal Reserve.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 12
	  	Lockbox
Transit -
Chicago
RCPC	 	Prime Pass Item	  	Lockbox deposited items prepared by Fiserv and deposited in Northern Trust accounts. The processing of debit items which
are drawn upon other banks that have Routing/Transits classified as Chicago RCPC items according to the Chicago Federal Reserve.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 13
	  	Lockbox
Transit -
Other Fed	 	Prime Pass Item	  	Lockbox deposited items prepared by Fiserv and deposited in Northern Trust accounts. The processing of debit items which
are drawn upon other banks that have Routing/Transits classified as Other Fed items according to the Federal Reserve Banks.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 14
	  	Lockbox
Transit -
CORR DF	 	Prime Pass Item	  	Lockbox deposited items prepared by Fiserv and deposited in Northern Trust accounts. The processing of debit items which
are drawn upon other banks that have Routing/Transits classified as CORR DF items according to the Northern Trust relationships.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 2 of 11 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	 	Process Description	  	Service Includes	  	Service Excludes
	 15
	  	Lockbox
Transit -
On-Us	 	Prime Pass Item	 	Lockbox deposited items prepared by Fiserv and deposited in Northern Trust accounts. The processing of debit items which
are drawn upon Northern Trust.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits / credits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 16
	  	Transit -
Rejects	 	Reject
Processed	 	The processing of repairing and/or correcting items that rejected during the POD / Transit processing (services 1-15
above).	  	 1.  Receipt
 2.  Strip the item
 3.  Process item by correcting / repairing through the rules set defined in the application
 4.  Sort item (on-us to transit)
 5.  Bundle items according rule set
	  	 1.  Prime pass Image Capture
 2.  High Speed cash letter

	 	  	Non Transit Clearing	 	 	  	 	  	 
	 17
	  	Controlled
Disbursement
- Capture	 	Prime Pass Item	 	The processing of debit items which are drawn upon Northern Trust from a Controlled Disbursement account. Includes
receipt, normal processing and filing of the item. For this type of work, also included is transmission, reporting and notification.	  	 1.  Receipt and
Preparation
 2.  Prime Pass, Repass of Item
 3.  Balancing / Adjustments
 4.  Transmission / Reporting
 5.  Storing the items
	  	 1.  Image Capture
 2.  Reject processing
 3.  Day 2+ adjustments
 4.  Returns

	 18
	  	On-us
Inclearings -
Capture/
Exception
Item Pull	 	Prime Pass Item	 	The processing of debit items which are drawn upon Northern Trust. Includes receipt, normal processing and filing of the
item. Also included is the exception item pull / cycle sort run. The processing of the exceptions is not included in this service.	  	 1.  Receipt and
Preparation
 2.  Prime Pass, Repass of Item
 3.  Balancing / Adjustments
 4.  Transmission / Reporting
 5.  Exception item pull / cycle sort run
	  	 1.  Image Capture
 2.  Reject processing
 3.  Day 2+ adjustments
 4.  Returns

	 19
	  	Controlled
Disbursement
/ On-Us -
Rejects	 	Reject
Processed	 	The processing of repairing and/or correcting items that rejected during the CD and Inclearing run processing (services
17-18 above).	  	 1.  Receipt
 2.  Strip the item
 3. Process item by correcting / repairing through the rules set defined in the application
 4.  Sort item
 5.  Bundle items according rule set
	  	 1.  Prime pass Image Capture
 2.  High Speed cash letter

	 23
	  	Cashletter
Correction	 	Correct Cash
Letter (Advice)	 	The process of correcting (reconciling) cash letters that are not in balance. The source of the cash letters are from
Northern Trust customers deposit to Northern Trust.	  	 1.  Balancing the
transaction
 2.  Creation of the adjustment tickets
 3.  Preparation, the creation of the advice
	  	 1.  Balanced transactions
 2.  Next adjustments

	 24
	  	Encoding -
Line & G/L
and
Corporate	 	Item Encoded	 	The process of encoding of Corporate Unencoded items which include the deposit ticket and all associated items. Includes
receipt & dispatch, encoding, and preparing for the sorter room. The process of encoding Line & G/L items received from Northern Trust branches.	  	 1.  Encoding of credits,
debits and settlements
 2.  Received from branches or unencoded work received from direct
deliveries
 3.  All fields that are required
	  	 1.  Processing of out-of-balance
conditions

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 3 of 11 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	  	Process Description	  	Service Includes	  	Service Excludes
	 25
	  	Encoding -
Correction	 	Item Corrected	  	When transactions are out of balance (received), this is the process to accomplish balance the transaction. The creation
of the adjustment ticket, advice and the dispatch of the customer advice.	  	 1.  Processing the out of
balance transaction
 2.  Developing the proper adjustment tickets
 3.  The advice creation
 4.  Sending of the advice
	  	 1.  Postage of the advice to the customer

	 	  	RETURNS	 	 	  	 	  	 	  	 
	 27
	  	Return -
Chargeback	 	Return
Processed	  	On incoming returns (Northern Trust is the Bank of First Deposit) the item is charged back to the Northern Trust
Depositor.	  	 1.  Processing the item in
the Return Item system
 2.  Send notification according to the Client’s requirements (phone or mail)

	  	 1.  Re-deposits
 2.  Notification by fax or e-mail (Separate fee)

	 29
	  	Return -
Redeposit	 	Return
Processed	  	Once an item has been deemed a return and the account is set-up for redeposit, this process will redeposit the items back
to the paying bank.	  	 1.  Preparing the items to
be sent
 2.  Send the items back to the paying bank
 3.  Notification to the Client according to their requirements
	  	 1.  Chargebacks
 2.  Transportation

	 31
	  	Return -
Outgoing	 	Return
Processed	  	The process of returning an item drawn upon Northern Trust to the Bank of First Deposit. The items identified are
exceptions where the decision was made not to pay it. For High dollar returns (over the industry thresholds) notifications are provided.	  	 1.  Identify the
BOFD
 2.  Preparing the item (stripping)
 3.  The encoding of the return
 4.  The dispatch of the return to the bank of first deposit
	  	 1.  The
processing clearing of the item to the bank of first deposit
 2.  Clearing fees

	 	  	DEMAND ACCOUNT SERVICES	  	 	  	 
	 32
	  	Daily
Exceptions	 	Exception
Processed	  	The processing of exception items that were identified in Northern Trust reports. These exceptions include, Surveillance,
account closed, non posts, blocks and other exceptions that are not part of specific Designated Services in theis schedule. This service covers multiple account types for Northern Trust (DPS, RAS, etc).	  	 1.  Attempt to fix the
exception.
 2.  For good items, they are placed into bulkfile
 3.  For items that are fixed, paper entries are created and they are prepared for processing for the next business day

 4.  Items identified as returns are prepared and sent to Returns
	  	Processing of the exception items that are identified in the Designated Services in this
schedule
	 33
	  	Stop
Exceptions	 	Stop Item	  	The processing of exception items that were identified as Stop Payments. This service covers all acocunt types at Northern
Trust.	  	 1.  Processing the
identified Stop payments via a report
 2.  Identified returns are setup as returns
	  	 1.  Stop payment calls
 2.  Processing of the outgoing return

	 34
	  	ARX Warns	 	Exception
Processed	  	The processing of exceptions identified in the Northern Trust ARX system. These are items that posted and typically are
MICR serial number errors.	  	 1.  Processing exceptions
from the Northern Trust report
 2.  Scrubbing the items and fixing MICR codelines
 3.  Prepare the items for processing the next business day
 4.  Suspect items are marked for Client referral and when the decision is to not pay, the items are prepared for return

	  	Image delivery to the Client

 Execution Copy: October 26, 2007 
 Initials: Fiserv                      Northern Trust
                 
  

 4 of 11 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	  	Process Description	  	Service Includes	  	Service Excludes
	 35
	  	ARX
Rejects	 	Exception
Processed	  	The processing of exceptions identified in the Northern Trust ARX system. These are items that non posted and typically
are MICR Account number errors (invalid).	  	 1.  Processing exceptions
from the Northern Trust report
 2.  Scrubbing the items and fixing MICR codelines
 3.  Prepare the items for processing the next business day
 4.  Suspect items are marked for Client referral and when the decision is to not pay, the items are prepared for return

	  	Image delivery to the Client
	 36
	  	Overdraft
decision
resulting in
return	 	Overdraft item	  	The processing of overdraft exception items that were identified as returned. This is accomplished by executing an EOD
report that closes decisions.	  	 1.  Processing the
identified returned overdrafts
 2.  Identified returns are setup as returns
	  	 1.  Processing of the outgoing return
 2.  Processing items have the EOD was created

	 37
	  	Positive Pay
Exceptions -
Client Based	 	Exception
Processed	  	The processing of client based positive pay exceptions. In this service, the Client makes the pay or no pay decision from
a paid reported provided by Northern Trust.	  	Upon notification, returned items are prepared and sent to the Return item area	  	 1.  Image delivery to the Client
 2.  Positive Pay clients

	 39
	  	Process Stop
Calls	 	Stop Payment
Request	  	This service is the processing of stop payment requests from Northern Trust or their customers received by phone, e-mail
or fax. Blocks require the request be in writing.	  	 1.  The receiving of the
information
 2.  Entering the information into the system
 3.  Validating the information
 4.  Printing and sending of the notice
	  	 1.  Processing of the stop exception
 2.  Postage on the notice

	 39
	  	Manual
Register
Adds and
Deletes	 	Register	  	This service is the processing of Northern Trust clients to add or delete registers based on the information from the
Client. Requests are received via Northern Trust ARMs, e-mail or fax.	  	 1.  Processing of adds or
deletes on registers identified by the Clients
 2.  Changes to register include deleting it and adding it
back in
	  	Non Positive Pay accounts
	 40
	  	Standard PE
Inquiry	 	Inquiry
Processed	  	This service involves research that is requested from Northern Trust via ARMs. This can include Manual Registers,
re-create statements, research, change of information, etc.	  	 1.  Receipt of the ARMs
request
 2.  Communications with Northern Trust to process the request
 3.  Resolution of the request
 4.  Update the ARMs folder
	  	Processing of the financial transaction to fix an exception or adjustment

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 5 of 11 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	  	Process Description	  	Service Includes	  	Service Excludes
	 41
	  	AT&T PE	 	Per Person	  	The service focuses on a specific product area and Northern Trust client (AT&T). The service handle the inquires,
communication and manages the adjustment with their cash letter deposits.	  	 1.  Applies to specific
AT&T accounts
 2.  Interfaces with Northern Trust Client Services
	  	Identified Designated Services in this schedule. Example, Adjustments are completed by another area and
billed under Adjustments
	 43
	  	Prepare Manual
CBIS Statement	 	Statement
Processed	  	The printed statements are received from Northern Trust. The checks and statements are inserted in the CBIS
envelope.	  	 1.  Receipt of the
statements from the Northern Trust
 2.  Insertion of checks and statements in the envelope
 3.  Dispatch the statements to the mail room
	  	 1.  Printing of the statements
 2.  Postage fees
 3.  Supplies - envelopes

	 44
	  	Prepare Manual
Statement	 	Statement
Processed	  	The printed statements are received from Northern Trust. The checks and statements are inserted in the mailing envelope.
This service is for those Northern Trust clients that wish to have their checks returned.	  	 1.  Receipt of the
statements from the Northern Trust
 2.  Insertion of checks and statements in the envelope
 3.  Dispatch the statements to the mail room
	  	 1.  Printing of the statements
 2.  Postage fees
 3.  Supplies - envelopes
 4.  Processing return statements (Separate fee)

	 45
	  	Check Retention
Boxes	 	Per box	  	The storage of checks for Northern Trust customers who subscribe to the service.	  	Preparing the box for shipment which includes labelling and bar code	  	Retrievals of physical items in long term storage
	 49
	  	ARX Reconciliation -
Partial - per account	 	Account
Processed	  	The process to perform Partial Reconcilement according to the parameters that Northern Trust defined. Typically this is
packaging the statement for delivery.	  	 1.  Receipt of the printed
statement from Northern Trust
 2.  If required, obtaining the checks for that period
 3.  Preparing the information for delivery
	  	 1.  Full reconciliation of the account
 2.  Non check activity

	 50
	  	ARX Reconciliation -
Full - per account	 	Account
Processed	  	The process to perform Full Reconcilement according to the parameters that Northern Trust defined. Typically this is
reconciling the issue and paid registers for that account.	  	 1.  Receipt of the printed
statement from Northern Trust
 2.  Print outstanding register summary
 3.  Reconcile the checks paid to the registers
	  	 1.  Partial reconciliation
 2.  Non check activity

	 51
	  	Check Filing	 	Item Filed	  	The process of the on-us items that are bulkfiled and/or corporate accounts that are held in on-site storage.	  	 1.  Boxing the items for
on-site storage
 2.  Labeling the boxes for retrieval purposes
	  	 1.  Retrievals of physical items
 2.  Long term storage

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 6 of 11 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	  	Process Description	  	Service Includes	  	Service Excludes
	 52
	  	Check Paying -
DPS/ARX Fraud	 	Item Processed    	  	The processing of high dollar items, Carreker identified or monitored items based on Northern Trust criteria. Northern
Trust will state the criteria that will be involved in determining the validation of the signature and other check paying points. This includes the processing of high dollar call backs.	  	 1.  Reviewing items over
the dollar paying limit
 2.  Evaluate according to Northern Trust criteria
 3.  For identified suspect items, enter data into the Northern Trust system for referral
	  	 1.  Policy items under the dollar threshold
 2.  RAS / GECC / CMMA
items

	 53
	  	Check Paying -RAS/
GECC/CMMA Fraud	 	Item Processed    	  	For specific Northern Trust customers under the programs RAS/GECC/CMMA on high dollar items. Northern Trust will state the
criteria that will be involved in determining the validation of the signature and other check paying points. This includes the processing of high dollar call backs.	  	 1.  Reviewing items over
the dollar paying limit
 2.  Evaluate according to Northern Trust criteria
 3.  For identified suspect items, enter data into the Northern Trust system for referral
	  	 1.  Policy items under the dollar threhold
 2.  DPS and ARX items

	 54
	  	Collections -
Domestic / On-Us	 	Item Collected    	  	The collection process of domestic items. This includes the sending of the correspondence and follow up phone calls. In
addition, it can be fraudulent items that require recovery.	  	 1.  For both incoming
(initiated by other financial institutions) or outgoing (items returned by Northern Trust branches)
 2.  Sending correspondences
 3.  Follow-up phone calls
 4.  If required, make proper account adjustment
	  	Cash letter items
	 55
	  	Collections - Not On-
Us	 	Item Collected    	  	The collection process of international items. This includes the sending of the correspondences and follow-up phone calls.
	  	 1.  Sending
correspondences
 2.  Follow-up phone calls
 3.  Initialize SWIFT or receive SWIFT
 4.  Use exchange rate per Northern Trust rate sheet
 5.  If required, make proper account adjustment
	  	International Cash Letter items
	 56
	  	International Cash
Letter	 	Per Item    	  	Developing the cash letter for Canadian international items that meet the Northern Trust criteria for Cash Letter and send
it to the proper endpoint. There are two cash letters one on Canadian Routing with USD and Canadian Routing on CAD.	  	 1.  Sending
correspondences
 2.  Follow-up phone calls
 3.  Use exchange rate per Northern Trust rate sheet
 4.  Develop proper transactions
	  	 1.  International collected items
 2.  Countries outside of Canada

	 	  	INVESTIGATIONS	 	 	  	 	  	 	  	 
	 57
	  	Photo Retrievals -
High Speed	 	Item Copied    	  	The process of obtaining copies of items from the high speed microfilm readers.	  	 1.  Inquiry of items via
microfilm readers
 2.  Dispatching the copy of the item
	  	 1.  Manual retrievals
 2.  7 year plus retrievals
 3.  Image retrievals

	 58
	  	Photo Retrievals -
Low Speed	 	Item Copied    	  	The process of manually obtaining copies of items from the microfilm or images post microfilm discontinued.	  	 1.  Inquiry of items via
manual retrieval
 2.  Dispatching the copy of the item
	  	 1.  Automated retrievals
 2.  7 year plus retrievals

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 7 of 11 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	 	Process Description	  	Service Includes	  	Service Excludes
	 59
	  	Adjustments	 	Prime Pass Item	 	The processing of an adjustment including the opening of the case, resolution of the case and closing of the case. This is
specific to the AT&T deposited volume.	  	 1.  Opening a
case
 2.  Setup a case
 3.  Resolve case or provide routine updates on open cases
 4.  Monitor open cases
 5.  If required, make proper account adjustments
 6.  According to agreed criteria, write-off cases
	  	 1.  General Ledger reconcilement (out of balances, referral errors)
 2.  Northern Trust
Control Group performs (referrals, reconcilement and reporting)

	 	  	Technology	 	 	 	 	  	 	  	 
	 61
	  	CD-Rom-Creation-
Items<2,500,000	 	Imaged item	 	For the first 2,500,000 items where a CD-ROM is created. This is an incremental charge to Image Capture.	  	CD-ROM Production	  	Image capture, storage or on-line retrieval
	 62
	  	CD-Rom-Creation-
Items>2,500,000    	 	Imaged item	 	For every imaged item after, 2,500,000 items. This is an incremental charge to Image Capture.	  	CD-ROM Production	  	Image capture, storage or on-line retrieval
	 63
	  	CD-Rom-Copies	 	Per Copy (CD-
ROM)	 	For every CD-ROM copy created after the original.	  	For every CD-ROM copy created after the original	  	For every CD-ROM copy created after the original
	 65
	  	Putnam Image
Statements -
Postage	 	Imaged item	 	This service is the composition of the image statements specifically for Putnam.	  	The receipt of the statement file and the composition of the required images and statement in the required print format
	  	 1.  Non
Putnam
 2.  Printing, insertion of statement in envelope and mailing

	 66
	  	Seven Year
Archive-All
Other    	 	Imaged item	 	The fee is for all items imported into the Fiserv National long-term archive. The fee includes on-line image retrievals.
The fee does not include image delivery (CD-ROM or transmission).	  	Long term storage and on-line retrieval	  	retrievals. The fee does not include image delivery (CD-ROM or transmission)
	 67
	  	Archive Retrieval
<120 days    	 	Imaged item	 	Based on the number of retrievals from the short-term archive (Checkvision).	  	On-line retrievals from CheckVision or Treasury Passport	  	Image capture, storage and image delivery (CD-ROM or transmission)

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 8 of 11 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	 	Process Description	  	Service Includes	  	Service Excludes
	 69
	  	Image Capture	 	Imaged item	 	Base charge for every imaged item. Only applies to Item Processing and is comprised of Prime Pass items and the Principal
items that are imported into the image archive. This fee does not include long term archive, online retrievals or image delivery.	  	Image Capture from IP	  	Storage, on-line retrieval or image delivery
	 70
	  	 	 	 	 	 	  	 	  	 
	 75
	  	CD-Rom-Benefit	 	Imaged item	 	For every imaged item where a CD-ROM is created.	  	CD-ROM production for Benefit Payment identified	  	Image capture, storage or on-line
	 78
	  	CD-Rom-Lockbox-
Documents<100,000	 	Imaged
Document	 	Separate service that imports documents from Fiserv and a CD-ROM is created. This service is items up to 100,000. This is
incremental to the Fiserv base service.	  	CD-ROM Production	  	Image capture, storage or on-line retrieval
	 79
	  	CD-Rom-Lockbox-
Documents>100,000	 	Imaged
Document	 	Separate service that imports documents from Fiserv and a CD-ROM is created. This service is items over 100,000. This is
incremental to the Fiserv base service.	  	CD-ROM Production	  	Image capture, storage or on-line retrieval
	 80
	  	CD-Rom-Lockbox-
Checks<100,000	 	Imaged item	 	Separate service that imports checks from Fiserv and a CD-ROM is created. This service is items up to 100,000. This is
incremental to the Fiserv base service.	  	CD-ROM Production	  	Image capture, storage or on-line retrieval
	 81
	  	CD-Rom-Lockbox-
Checks>100,000	 	Imaged item	 	Separate service that imports checks from Fiserv and a CD-ROM is created. This service is items over 100,000. This is
incremental to the Fiserv base service.	  	CD-ROM Production	  	Image capture, storage or on-line retrieval
	 81
	  	CD-Rom-Lockbox-
Copies	 	Per Copy (CD-
ROM)	 	For every CD-ROM copy created after the original.	  	Producing a copy on an original CD-ROM	  	Image capture, storage or retrieval
	 88
	  	Payee Verification -
DR < 100,000	 	Per Item	 	This service is the processing of identified positive pay items through the Fiserv Payee Verification system. This is the
first 100,000 item per month.	  	Processing of the identified accounts and items through the Positive Pay FraudGuard system. Includes digital interrogation
and processing of the Payee Name exception	  	Traditional positive pay and are included in Designated Services in this schedule

 Execution Copy: October 26, 2007 
 Initials: Fiserv                      Northern Trust
                 
  

 9 of 11 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	  	Process Description	  	 ServiceIncludes
	  	Service Excludes
	 89
	  	Payee
Verification -
DR > 100,000	 	Per Item	  	This service is the processing of identified positive pay items through the Fiserv Payee Verification system. This is the
items greater than 100,000 item per month.	  	Processing of the identified accounts and items through the Positive Pay FraudGuard system. Includes digital interrogation
and processing of the Payee Name exception	  	Traditional positive pay and are included in Designated Services in this schedule
	 90
	  	Merchant
Capture -
Chicago City	 	Prime Pass Item	  	For deposited items via Merchant Capture, the processing of debit items which are drawn upon other banks that have
Routing/Transits classified as Chicago City items according to the Chicago Federal Reserve.	  	 1.  Processing of the item
via Merchant Draft solution
 2.  Printing of the IRD
 3.  Prime Pass and Repass of Item if required
 4.  Balancing / Customer Adjustments
 5.  Dispatch and transportation
 6.  Clearing fees, if required
 7. Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 91
	  	Merchant
Capture -
Chicago
RCPC	 	Prime Pass Item	  	For deposited items via Merchant Capture, the processing of debit items which are drawn upon other banks that have
Routing/Transits classified as Chicago RCPC items according to the Chicago Federal Reserve.	  	 1.  Processing of the item
via Merchant Draft solution
 2.  Printing of the IRD
 3.  Prime Pass and Repass of Item if required
 4.  Balancing / Customer Adjustments
 5.  Dispatch and transportation
 6.  Clearing fees, if required
 7.  Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 92
	  	Merchant
Capture -
Correspondent	 	Prime Pass Item	  	For deposited items via Merchant Capture, the processing of debit items which are drawn upon other banks that have
Routing/Transits classified as CORR DF items according to the Northern Trust relationships.	  	 1.  Processing of the item
via Merchant Draft solution
 2.  Printing of the IRD
 3.  Prime Pass and Repass of Item if required
 4.  Balancing / Customer Adjustments
 5.  Dispatch and transportation
 6.  Clearing fees, if required
 7.  Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 93
	  	Merchant
Capture -Fed	 	Prime Pass Item	  	For deposited items via Merchant Capture, the processing of debit items which are drawn upon other banks that have
Routing/Transits classified as Other FED items according to the Federal Reserve Banks.	  	 1.  Processing of the item
via Merchant Draft solution
 2.  Printing of the IRD
 3.  Prime Pass and Repass of Item if required
 4.  Balancing / Customer Adjustments
 5.  Dispatch and transportation
 6.  Clearing fees, if required
 7.  Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 94
	  	Merchant
Capture - On-
Us	 	Prime Pass Item	  	For deposited items via Merchant Capture, the processing of debit items which are drawn upon Northern Trust.	  	 1.  Processing of the item
via Merchant Draft solution
 2.  Printing of the IRD
 3.  Prime Pass and Repass of Item if required
 4.  Balancing / Customer Adjustments
 5.  Dispatch and transportation
 6.  Clearing fees, if required
 7.  Reporting and transmission
	  	 1. Encoding
of debits
 2. Image Capture
 3. Reject processing
 4. Day 2+ adjustments
 5. Returns

	 95
	  	Image
Statement	 	Per Statement	  	This service is the composition of the image statements specifically for Northern Trust Clients.	  	The receipt of the statement file and the composition of the required images and statement in the required print format
	  	 1.  Putnam
 2.  Printing, insertion of statement in envelope and mailing
 3.  Processing return statements (Separate fee)

 Execution Copy: October 26, 2007 
 Initials: Fiserv                      Northern Trust
                 
  

 10 of 11 

 Exhibit 3.1A 
 Designated Item Processing Services 
  

											
	 	  	    Service*    	 	    Unit of         Count    
	  	Process Description	  	Service Includes	  	Service Excludes
	 96
	  	AT&T
Transit -
Chicago
City	 	Prime Pass
Item	  	For AT&T, the processing of debit items which are drawn upon other banks that have Routing/Transits classified as
Chicago City items according to the Chicago Federal Reserve.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 97
	  	AT&T
Transit -
RCPC	 	Prime Pass
Item	  	For AT&T, the processing of debit items which are drawn upon other banks that have Routing/Transits classified as
Chicago RCPC items according to the Chicago Federal Reserve.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 98
	  	AT&T
Transit -
Corr	 	Prime Pass
Item	  	For AT&T, the processing of debit items which are drawn upon other banks that have Routing/Transits classified as CORR
DF items according to the Northern Trust relationships.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 99
	  	AT&T
Transit -
FED	 	Prime Pass
Item	  	For AT&T, the processing of debit items which are drawn upon other banks that have Routing/Transits classified as
Other FED items according to the Federal Reserve Banks.	  	 1.  Receipt and
preparation
 2.  Prime Pass and Repass of Item if required
 3.  Balancing / Customer Adjustments
 4.  Dispatch and transportation
 5.  Clearing fees, if required
 6.  Reporting and transmission
	  	 1.  Encoding of debits
 2.  Image Capture
 3.  Reject processing
 4.  Day 2+ adjustments
 5.  Returns

	 100
	  	Process
Adjustment
- AT&T
incremental
volume	 	Prime Pass
Item	  	The processing of an adjustment including the opening of the case, resolution of the case and closing of the case. This is
specific to the AT&T deposited volume.	  	 1.  Opening a
case
 2.  Setup a case
 3.  Resolve case or provide routine updates on open cases
 4.  Monitor open cases
 5.  According to agreed criteria, write-off cases
	  	 1.  Reconciling the General Ledgers
 2.  The functions that the control group performs

  

	*	Note: Northern Trust and Fiserv mutually agree to reconcile the service level descriptions outlined in Exhibits 3.1A and 3.1B to the to be revised billing service codes agreed to
in Exhibits 14.1A and 14.1B. This will be completed by June 30, 2008. 

 Execution Copy: October 26, 2007 

Initials: Fiserv                  Northern Trust
                 
  

 11 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 
  

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	 	  	New	  	New	  	Acct. # Capture – as billed	  	Bill	  	Require further information	  	 	  	 
	 	  	New	  	New	  	ACH Report Scanning Fee	  	Page	  	Require further information	  	 	  	 
	SBX	  	1946963	  	1946963	  	Add a Policy	  	Policy	  	Policy level charge used when we have to entry a policy number (from the remittance document and/or check) that is not
part of the Smart Box billing database.	  	Adding to detail in accounts receivable file when not in database	  	 1.  Transmission,
 2.  Lockbox processing

	SBX	  	2117742	  	2117742	  	Allocation Fund / Allocations Fund	  	Fund	  	Fund level charge for making an allocation change on a line item payment. One fee per fund option is charged.	  	Incremental to Allocations check.	  	Allocations check
	SBX	  	2118529	  	2118529	  	Allocations Check	  	Item	  	Check level charge for making allocation changes on payments within a transaction.	  	Grouping of investments 2.	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	1700632	  	1700632	  	As Billed Checks	  	Item	  	Check level charge for transactions that match the database as billed.	  	Grouping where check and database match	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	1702993	  	1702993	  	As Billed Policy Records	  	Policy	  	Policy level charge for transactions that match the database as billed.	  	Incremental to As Billed Checks	  	As Billed Checks
	 	  	1730538	  	1188880	  	Automated Lockbox Services	  	 	  	Require further information	  	 	  	 
	SBX	  	2121677	  	2121677	  	Cash Equivalency Check	  	Item	  	Check level charge for transactions that match the database as billed.	  	Grouping for travelers checks, official checks, cashier checks, money orders	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	2120890	  	2120890	  	Cash Equivalency Policy	  	Policy	  	Policy level charge for grouping cash equivalency transactions.	  	Incremental to Cash Equivalency Check	  	Cash Equivalency Check
	 	  	2192507	  	2192507	  	CD ROM Checks	  	Check	  	Service to generate CD-ROMs with check images.	  	Writing check images to CD-ROMs	  	 1.  Image scanning
 2.  Image transmissions
 3.  Online image access
 4.  Lockbox processing

	 	  	2192507	  	2193294	  	CD ROM Documents	  	Document	  	Service to generate CD-ROMs with document images.	  	Writing document image to CD-ROMs	  	 1.  Image scanning
 2.  Image transmissions
 3.  Online image access
 4.  Lockbox processing

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 1 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 
  

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	050423	  	2201951	  	2201951	  	CD ROM Monthly Fee	  	CD-ROM	  	Service to create CD-ROMs	  	Daily, weekly, monthly CDs	  	 1.  DVDs,
 2.  Image transmissions,
 3.  Online image access,
 4.  Lockbox processing

	 	  	New	  	New	  	CD-ROM- Benefit Payment	  	 	  	Require further information	  	 	  	 
	 	  	New	  	New	  	CD-ROM- Lockbox - Checks <100,000	  	 	  	Require further information	  	 	  	 
	 	  	New	  	New	  	CD-ROM- Lockbox - Checks > 100,000	  	 	  	Require further information	  	 	  	 
	 	  	New	  	New	  	CD-ROM- Lockbox - Documents <100,000	  	 	  	Require further information	  	 	  	 
	 	  	New	  	New	  	CD-ROM- Lockbox - Documents >100,000	  	 	  	Require further information	  	 	  	 
	 	  	New	  	New	  	CD-ROM- Lockbox Copies	  	 	  	Require further information	  	 	  	 
	SBX	  	1948537	  	1948537	  	Change Dollar Amount	  	Policy	  	Policy level charge used when we have to change a dollar amount from what was billed. This charge only applies to those
policies for which the dollar amount is changed.	  	NY Life grouping for permanent change of dollar amount	  	 1.  Other groupings -- can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Processing

	SBX	  	2104363	  	2104363	  	Changes Check	  	Item	  	Check level charge for payment transactions where the customer has option billing changes (non-financial).	  	Grouping where customer changes name, address, etc.	  	 1.  Other groupings -- can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	2105150	  	2105150	  	Changes Policy	  	Policy	  	Policy level charge for payment transactions where the customer has option billing changes (nonfinancial).	  	Policy grouping incremental to Changes Check	  	Changes Check
	950100	  	1438359	  	1438359	  	Check Only W/Complex sort	  	Item	  	Service for performing negotiability checks, payee verification, and check encoding for any received without a scannable
billing document.	  	 1.  8 point check
inspection
 2.  Review of processing instructions,
 3.  Check encoding and endorsing,
 4.  Reporting
 5.  Reassociation
	  	 1.  Payments with coupons that have an OCR scanline that is scannable 75% of time or more
 2.  Batched photocopies
 3.  Unbankables
 4.  Deposit prep
 5.  Image capture
 6.  Photocopies

	95011R	  	2179915	  	2179915	  	Checks Imaged	  	Check	  	Service per item for checks imaged	  	Charge for each check that is scanned in Wholesale Lockbox	  	 1.  Checks scanned in Wholetail Lockbox
 2.  Document image
capture

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 2 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 
  

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	650116	  	1134577	  	1134577	  	Circle Amount and Other Information	  	Item	  	Service for circling the dollar amount on the accompanying papers.	  	Separate notation charge that applies only to annotating original documents by circling amounts	  	 1.  Transferring information from accompanying papers onto face of check
 2.  Sequentially numbering papers/envelopes
 3.  Writing check number on accompanying
documents

	050114	  	1151104	  	1151104	  	Complex Sort	  	Item	  	Service for sorting checks into 3 (three) or more groups or sorts within a 2 group sort.	  	Sorts segregating checks into own groups, not co-mingled, such as by 3 or more customers	  	Simple sorts
	SBX	  	2146861	  	2146861	  	Correspondence Check	  	Item	  	Check level fee for separately grouping transactions that contain customer correspondence.	  	No check enclosed grouping	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	2146074	  	2146074	  	Correspondence Policy	  	Policy	  	Policy level fee for separately grouping transactions that contain customer correspondence. Each policy within the
transaction receives the fee.	  	Policy level grouping incremental to Correspondence Check	  	Correspondence Check
	85011R	  	2180702	  	2180702	  	Coupons Imaged	  	Coupon	  	Service per item for coupons imaged.	  	Separate charge for scanning of check-sized document with OCR line (coupon)	  	 1.  Scanning documents that are not coupons
 2.  Online access to images
 3.  Online viewing
 4.  Online searches
 5.  Check image capture

	SBX	  	1940667	  	1940667	  	Create a Bill Check	  	Item	  	Check level charge used when we have to create a bill per client’s operating instructions (e.g. for a transactions
which are not on the Smart Box database).	  	Grouping for creating an invoice when can’t find the invoice in the database but good information has been provided
	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	1943815	  	1943815	  	Create a Bill Policy	  	Policy	  	Policy level charge used when we have to create a bill per client’s operating instructions (e.g. for transactions
which are not on the Smart Box database). One charge for each of the policies that are part of the transaction.	  	Policy level grouping incremental to Create a Bill Check	  	Create a Bill Check
	SBX	  	1702206	  	1702206	  	Customer Gen Checks	  	Item	  	Check level charge used when we process a payment where the customer returns their own remittance document (rather than
the client generated document).	  	Grouping for when a customer sends back their own invoice instead of the one from the insurance company	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	 	  	1943028	  	Customer Gen W/Fax Policies	  	Item	  	Service per item when policies cannot be found on data base. Photocopy of item is faxed for client instruction on
handling. (used by Trad only)	  	 	  	 

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 3 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	SBX	  	1704567	  	1704567	  	Customer Generated Policy Record	  	Policy	  	Policy record level charge used when we process a payment where the customer returns their own remittance document (rather
than the client generated document). One charge for each of the policies that are part of the transaction.	  	Policy level grouping incremental to Customer Gen Checks	  	Customer Gen Checks
	050406	  	1184945	  	1184945	  	Data Consolidation – Bank	  	Bank	  	Monthly charge for in-coming files sent by a bank to be consolidated with other input.	  	All files received from bank on same transmission with other paper input	  	 1.  Processing,
 2.  Data consolidation per item
 3.  Data consolidation maintenance

	050404	  	1185732	  	1185732	  	Data Consolidation – Maintenance	  	Monthly	  	Monthly charge for maintenance of data consolidation.	  	Merging in ACH addenda information	  	 1.  Processing
 2.  Data consolidation per item

	050403	  	1190454	  	1190454	  	Data Transmission – File	  	File	  	Service associated with each file of lockbox information provided to the client. If multiple lockboxes are transmitted in
a single file, one lockbox will receive the charge for the file.	  	 1.  Sending data files to
customer
 2.  Incremental to monthly maintenance and transmission records
	  	 1.  Data Transmission, Image Transmission, EDI Transmission Maintenance
 2.  Info
Delivery Transmission Records

	050400	  	1186519	  	1186519	  	Data Transmission - Monthly Maintenance	  	Lockbox	  	Monthly charge for maintenance of data transmission service.	  	 1.  Associated overhead
from sending transmissions to client
 2.  Incremental to per record and per file
	  	 1.  Maintenance for EDI or image transmissions,
 2.  Information Delivery Transmission
Records,
 3.  Information Delivery Transmission File

	050401	  	1188880	  	1188880	  	Data Transmission – Records	  	Record	  	Service for transmitting each record of information that corresponds to a client’s monthly volume.	  	 1.  Sending records to the
customer.
 2.  Incremental to monthly maintenance and data transmission files
	  	 1.  Data Transmission, Image Transmission, EDI Transmission Maintenance
 2.  Information Delivery Transmission Files
 3.  Info Deliv —Transmission Rec.-
EDI

	95011D	  	1192028	  	2122464	  	Date Stamping	  	Item	  	Service to cover date stamping envelopes.	  	Incremental to date stamping monthly maintenance	  	Lockbox processing
	SBX	  	1947750	  	1947750	  	Delete a Policy	  	Policy	  	Policy charge used when we delete a policy (from the original billing record) at the customer’s option. Applies only
to those policies which are deleted.	  	Grouping for deleted policies	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3. Lockbox processing

	SBX	  	1944602	  	1944602	  	Deposit OOB Bill Policy	  	Policy	  	Policy level charge for transactions which are determined to be out of balance (OOB) per the client’s operating
instructions. One charge for each policy in the transaction.	  	Grouping for out of balance policies.	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	1751000	  	1751000	  	Deposit OOB Checks	  	Item	  	Check level charge for processing out of balance transactions.	  	Check level groping incremental to Deposit OOB Bill Policy	  	Deposit OOB Bill Policy
	750530	  	1941454	  	1941454	  	Do Not Deposit Checks	  	Item	  	Check level charge for Smart Box unbankables.	  	Manual return of unbankable items.	  	 1.  Unbankables decisioning,
 2.  Automated unbankables

	650530	  	1945389	  	1945389	  	Do not Deposit Policy	  	Policy	  	Policy level charge for Smart Box unbankables.	  	 1.  Incremental to Do Not
Deposit Checks
 2.  2.5 policies per check
	  	 1.  Unbankables decisioning,
 2.  Automated unbankables

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 4 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 
  

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	75011R	  	 	  	2057930	  	Document Image Scan/Index	  	Document	  	Service per item for invoices and/or envelope imaged.	  	Separate charge for scanning all documents except coupons	  	 1.  Online access to images
 2.  Online viewing
 3.  Online searches
 4.  Check image capture
 5.  Coupon image capture

	950423	  	2202738	  	2202738	  	Duplicate CD ROM Creation (Client Consolidation)	  	CD-ROM	  	Service to consolidate images per Client (multiple lockboxes) for CD-ROM generation.	  	Additional daily, weekly, monthly CD(s)	  	 1.  DVDs,
 2.  Image transmissions,
 3.  Online image access,
 4.  Lockbox processing

	95011L	  	1247905	  	1247905	  	Envelope Photocopy	  	Envelope	  	Service to photocopy envelopes.	  	 1. Separate charge from
photocopy documents
 2. Photos batched separately
	  	 1.  Photocopies of invoices, coupons, correspondence
 2.  Photocopies of
checks
 3.  Lockbox processing

	050323	  	 	  	1258136	  	Extra Account Batch Listing	  	Batch	  	Service per additional Account Batch Listing requested.	  	 1. Additional
Reporting
 2. More detail than Deposit Report (recap)
	  	Lockbox Processing
	050320	  	1259710	  	1259710	  	Extra Deposit Notification	  	Recap	  	Service for receiving an additional daily Deposit Report (recap).	  	Additional reporting	  	Lockbox Processing
	05011A	  	1262071	  	1262071	  	Extra Photocopy	  	Item	  	Service for each photocopy of a check.	  	One photo of front of check	  	 1.  Photocopies of documents
 2.  Lockbox processing

	SBX	  	 	  	1949324	  	FAX	  	Page	  	Service per page charge when we choose the FAX grouping.	  	Fax grouping	  	 1.  Faxing,
 2.  Fax reporting,
 3.  Other groupings per above

	950321	  	2151583	  	2151583	  	Fax Reports	  	Document	  	As needed service per page for facsimile to notify client of remitter name and dollar amount remitted or requesting
payment instructions.	  	 1.  Incremental to fax
maintenance
 2.  Transmission information provided manually, per page,
 3.  SmartBox Manual Fax Service-Item
	  	 1.  Lockbox processing
 2.  Fax maintenance,
 3.  Transmissions

	 	  	New	  	2265698	  	Fiserv Online Maintenance	  	Monthly	  	Require further information	  	 	  	 
	 	  	New	  	1923353	  	Full Pay Processing W/Complex Sort	  	Item	  	Require further information	  	 	  	 
	050101	  	1923353	  	1923353	  	Full Pay Single Processing	  	Item	  	Service per check for performing negotiability checks, payee verification where a single check is equal to a single
scannable document.	  	 1.  8 point check
inspection
 2.  Review of processing instructions,
 3.  Check encoding and endorsing,
 4.  Reporting,
 5.  Payment includes both check and coupon
 6.  Auto capture of
information on coupon
	  	 1.  Single check for multiple scannable documents,
 2.  Photocopies,
 3.  Partial payments,
 4.  Stop files,
 5.  Check onlys
 6.  Wholesale lockbox processing
 7.  Image lockbox processing

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 5 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 
  

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	 	  	 	  	2058717	  	Image Maintenance	  	Lockbox	  	Monthly charge for daily transmission of images captured per client instructions.	  	 1.  Associated overhead
from sending image transmissions to client
 2.  Incremental to image transmission per file
	  	 1.  Data transmissions,
 2.  EDI transmissions,
 3.  Image capture,
 4.  Online image access
 5.  Image transmission file

	050420	  	 	  	2258615	  	Image Transmission	  	File	  	Charge associated with each file of images captured per client instructions. If multiple lockboxes are transmitted in a
single file, one lockbox will receive the charge for the file.	  	 1.  Sending image files to
customer
 2.  Incremental to monthly maintenance for image transmission
	  	 1.  Data transmissions
 2.  EDI transmission,
 3.  Image Capture,
 4.  Online image access,
 5.  Image transmission maintenance

	SBX	  	1706141	  	1706141	  	Interactive Database	  	Policy	  	Policy charge (assessed at month-end) for storage of policy billing records on the Smart Box database.	  	Storage of records.	  	 1.  Image archive,
 2.  SmartBox groupings

	05011P	  	1306143	  	1306143	  	Invoice Balancing	  	Item	  	Service for balancing an invoice to the amount remitted during data entry, either prior to or after deposit.	  	Upfront balancing with amount of balance outsorted and returned to lockbox owner or force balanced.	  	Lockbox processing
	050126	  	1315587	  	1315587	  	Keystroke Charge	  	Keystroke	  	Per character charge for key-entering check serial number or remitter information,	  	Keying of invoice number or remitter name and navigation keys (enter, tab, page down, space, etc.).	  	 1.  Transmissions
 2.  Image capture

	 	  	1613073	  	1613073	  	LBX Check Receipt Verification	  	Item	  	Require further information	  	 	  	 
	SBX	  	2018580	  	2018580	  	Loan Checks	  	Item	  	Check level fee for processing loan payments.	  	Grouping for loans.	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	2017793	  	2017793	  	Loan Policies	  	Policy	  	Policy level fee for processing loan transactions. One fee per policy paid.	  	Policy level grouping incremental to Loan Checks.	  	 1.     Loan
Checks

	05013A	  	1969786	  	1969786	  	Lockbox Credit Card Processing	  	Item	  	Service per item for processing credit card payments.	  	 1.  Authorizing credit
card payment,
 2.  Keying in credit card data and verifying signature
 3.  Reporting
	  	Lockbox Processing
	050302	  	1333688	  	1333688	  	Lockbox Deposits	  	Deposit	  	Service for depositing a batch or batches of checks through a lockbox for a designated deposit time at a designated
correspondent bank.	  	Preparing checks for clearing and settlement.	  	 1.  Lockbox processing
 2.  Check processing

	050300	  	1336049	  	1336049	  	Lockbox Items Deposited	  	Item	  	Service for each check that is deposited through a lockbox.	  	Incremental to Lockbox Deposit.	  	 1.  Lockbox processing
 2.  Check processing

	050000	  	1336836	  	1336836	  	Lockbox Monthly Maintenance	  	Lockbox	  	Monthly charge associated with the maintenance of a lockbox.	  	 1.  Rental for PO Box
number
 2.  Pick-up or delivery of mail
 3.  Overhead associated with maintaining lockbox; including software
	  	 1.  Per
item fees
 2.  All Mailout activity

	 	  	New	  	New	  	Lockbox Photocopy	  	Item	  	Require further information	  	 	  	 

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 6 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	 	  	1847014	  	1847014	  	Lockbox Photocopy – Wholetail	  	Item	  	Require further information	  	 	  	 
	050100	  	1433386	  	1438359 / 1392713	  	Lockbox Processing	  	Item	  	Service for performing negotiability checks, payee verification, and check encoding for any item received without a
scannable billing document. Photocopy of item is not provided.	  	 1.  8 point check
inspection
 2.  Review of processing instructions,
 3.  Check encoding and endorsing,
 4.  Reporting
 5.  Reassociation
	  	 1.  Payments with coupons that have an OCR scanline that is scannable 75% of time or more
 2.  Photocopies
 3.  Unbankables
 4.  Deposit prep
 5.  Image capture

	 	  	New	  	New	  	Lockbox Rental	  	 	  	Require further information	  	 	  	 
	 	  	 	  	1336049	  	Lockbox Services	  	Item	  	Require further information	  	 	  	 
	050311	  	1612286	  	1612286	  	Lockbox Total Inquiry	  	Call	  	Charge assessed when a client calls RemitStream Solutions for deposit information.	  	 1.  Phone call by client

 2.  Reporting
	  	 1.  Lockbox processing,
 2.  Phone Notification - Deposit

	05013H	  	1344706	  	1344706	  	Mail Forwarding Fee	  	Lockbox	  	Monthly charge for forwarding mail from a closed lockbox.	  	 1.  Mail forwarding for a
maximum of 3 months after which it will returned to sender.
 2.  Lockbox Maintenance
charge
	  	Lockbox per item charge
	 	  	1345493	  	 	  	Mail Forwarding Maintenance	  	Lockbox	  	Require further information	  	 	  	 
	050121	  	1352576	  	1352576	  	MICR Capture	  	Item	  	Service per check for capturing the Magnetic Ink Character Recognition (MICR) line, which identifies check number, drawee
bank, and remitter bank account number.	  	 1.  Additional processing
charge to capture this line from check when returning MICR line data to client as in a data transmission
 2.  May be in addition to check image capture
	  	 1.  Data transmissions
 2.  Lockbox processing

	050103	  	1924927	  	1924927	  	Multiple Item Processing	  	Item	  	Service per check for performing negotiability checks, payee verification of a check associated with a multiple
transaction. Photocopy of check is not provided	  	 1.  8 point check
inspection
 2.  Review of processing instructions,
 3.  Check encoding and endorsing,
 4.  Reporting,
 5.  One or more checks are received with one or multiple scannable documents
 6.  Auto capture of information on coupon
	  	 1.  Full pay singles,
 2.  Partial payments
 3.  Stop files,
 4.  Check onlys,
 5.  Photocopies
 6.  Wholesale lockbox processing,
 7.  Image capture

	 	  	New	  	1924927	  	Multiple Item Processing W/Complex Sort	  	Item	  	Require further information	  	 	  	 
	05011M	  	1391926	  	1391926	  	No Check Enclosed Items	  	Envelope	  	Service for handling documents received through the lockbox that do not have an associated check.	  	 1.  Document only
processing
 2.  Outsorting correspondence to separate batch
	  	Check processing
	95011M	  	1980804	  	1980804	  	No Item Enclosed - Monthly Fee	  	Lockbox	  	Monthly charge for handling documents received through the lockbox that do not have an associated check.	  	 1.  Will be used when per
item fee cannot be used such as lockboxes used for imaging only.
 2.  Correspondence only
volume
	  	Maintenance for check and document
	050540	  	2173619	  	2173619	  	Non Lockbox Mail Received	  	Package	  	Service per package fee for non-lockbox mail (no checks) sent to the lockbox that should have been sent directly to the
customer.	  	Return of merchandise sent to lockbox.	  	 1.  Processing
 2.  Other mailout activity

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 7 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	SBX	  	1701419	  	1701419	  	Not as Billed Checks	  	item	  	Check level charge for processing a not-as-billed transaction.	  	Grouping for checks that don’t reflect amount billed.	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	1703780	  	1703780	  	Not as Billed Policy Records	  	Policy	  	Policy record level charge for processing a not-as-billed transaction. One charge for each policy in the
transaction.	  	Policy level grouping incremental to Not as Billed Checks.	  	Not as Billed Checks
	SBX	  	1942241	  	1942241	  	One Check Processing	  	Item	  	Check level charge for MassMutual for processing one check into multiple MassMutual boxes.	  	 1.  Mass Mutual grouping

 2.  Grouping when one check covers payment for multiple lockboxes
	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	75013F	  	1942241	  	1942241	  	One Check Processing Check	  	Item	  	Check level charge for processing one payment across several lockboxes	  	 	  	 
	85013F	  	1946176	  	1946176	  	One Check Processing Policy	  	Policy	  	Policy level charge for processing policies from one payment across several lockboxes.	  	 	  	 
	SBX	  	1946176	  	1946176	  	One Check Processing Policy	  	Policy	  	Policy level charge for MassMutual for processing one check into multiple MassMutual boxes.	  	Policy level grouping incremental to One Check Processing.	  	One Check Processing
	05011I	  	1411601	  	1411601	  	Open Envelopes (2-3 Sides)	  	Item	  	Service per envelope charge for slicing envelopes on 2 to 3 sides as opposed to just the top.	  	Laying envelopes flat	  	 1.  Automated envelope opening with slice on 1 side
 2.  Any
sorting

	 	  	New	  	1924140	  	Partial Pay Processing W/Complex Sort	  	 	  	Require further information	  	 	  	 
	050102	  	1924140	  	1924140	  	Partial Pay Single Processing	  	Item	  	Service per check for performing negotiability checks, payee verification for partial pays. Photocopy of check is not
provided.	  	 1.  8 point check
inspection
 2.  Review of processing instructions,
 3.  Check encoding and endorsing,
 4.  Reporting,
 5.  Single check received with single scannable document and amounts are not equal
 6.  Auto capture of information on coupon
	  	 1.  Full pay singles,
 2.  One check for multiple scannable documents,
 3.  Stop files,
 4.  Check onlys,
 5.  Photocopies of checks,
 6.  Wholesale lockbox processing
 7.  Image capture

	050310	  	1506828	  	1506828	  	Phone Notification	  	Call	  	Charge assessed when RemitStream manually calls the client and provides same day notification of total deposit
information. Each lockbox included in the call is assessed the charge even if multiple lockboxes are reported in the same call.	  	 1.  Phone call by
RemitStream
 2.  Reporting
	  	 1.  Lockbox processing
 2.  Deposit Total inquiry by client
 3.  Email deposit notifications

	05013G	  	2007562	  	2007562	  	Photo - LBX-Client Services	  	Request?	  	Fee for request of photo of item processed or additional research requested.	  	 1.  Photos
 2.  Manual research
	  	Lockbox Processing
	95013G	  	2008349	  	2008349	  	Photo - LBX-Priority	  	Request?	  	Fee for priority request of photo of item processed or additional research requested.	  	Same as LBX Research but request made a priority	  	Lockbox Processing

 Execution Copy: October 26, 2007 
 Initials: Fiserv                 Northern Trust
                 
 Page 8 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 
  

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	850100	  	1436785	  	1436785	  	Photocopy Batched	  	Item	  	Daily charge for performing negotiability checks, payee verification, and check encoding for any item received without a
scannable billing document. Photocopy of item is batched.	  	 1.  8 point check
inspection
 2.  Review of processing instructions,
 3.  Check encoding and endorsing,
 4.  Photocopies batched
 5.  Reporting
	  	 1.  Payments with coupons that have an OCR scanline that is scannable 75% of time or more
 2.  Photocopies that are not batched
 3.  Unbankables
 4.  Prep of deposit
 5.  Image capture

	05011L	  	1437572	  	1437572	  	Photocopy Invoice or Papers	  	Document	  	Service for photocopy of invoice, accompanying correspondence.	  	 1.  Photocopy of
statements or letters written to clients
 2.  Photos batched separately
	  	 1.  Lockbox processing
 2.  Photocopies of checks,
 3.  Photocopies of envelopes

	950116	  	1445442	  	1445442	  	Post Check Amount	  	Item	  	Service per item for writing check amount on accompanying documents.	  	Separate document notation –Post Information charge. (subset of Document Notation -Post Information).	  	 1.  Transfer of information from accompanying papers onto face of check.
 2.  Other
document notation services

	 	  	New	  	New	  	Post Special Customer Information	  	 	  	Require further information	  	 	  	 
	950322	  	1467478	  	1467478	  	R.I.D. Detail Lines Reported	  	Lockbox	  	Service for facsimile to notify client of remitter name and dollar amount remitted per item.	  	Incremental to Automated Fax Service	  	 1.  Lockbox processing
 2.  Automated fax service
 3.  Manual fax services

	050322	  	1480070	  	1480070	  	Remitter I.D. Notification	  	Lockbox	  	Service for facsimile to notify client of remitter name and dollar amount remitted per deposit.	  	 1.  Automated
fax
 2.  Automated Fax reporting
	  	 1.  Lockbox processing
 2.  Automated fax per item
 3.  Manual fax services

	65013F	  	2150796	  	2150796	  	Return Item Log	  	Day	  	Fee for creating a manual log of all unbankables	  	 1.  Non-automated
reporting on exception items
 2.  SmartBox Return Item Log
	  	 1.  Lockbox processing
 2.  Unbankable decisioning
 3.  Unbankable notificaitons

	SBX	  	1783267	  	1783267	  	Rollover Checks	  	Item	  	Check level fee for transactions to be identified as rollovers.	  	Grouping for rollover transactions, such as transfers from a different IRA or different financial institution.	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	1782480	  	1782480	  	Rollover Policies	  	Policy	  	Policy level fee for each policy identified as a rollover transaction.	  	Policy level grouping incremental to Rollover Checks.	  	Rollover Checks
	750116	  	1509976	  	1509976	  	Sequential Numbering Envelopes	  	Item	  	Service per item for sequentially numbering papers/envelopes.	  	Separate document notation charge that applies only to writing number on remittance documents to indicate order received.
	  	 1.  Numbering items in any other order
 2.  Circling amounts on docs
 3.  Transferring information onto checks or writing check amounts on remittance docs

	850111	  	1514698	  	1514698	  	Simple sort	  	Item	  	Service per item for sorting checks in a single group by color, remitter name, zip code, etc. or a 2 (two) group sort.
	  	 1.  Typical wholesale
lockbox sorts
 2.  Creation of batch headers
	  	 1.  Complex sorts
 2.  Special processing of sorted items (highlighting, annotating,
etc.)

 Execution Copy: October 26, 2007 
 Initials: Fiserv                 Northern Trust
                 
  

 Page 9 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	SBX	  	2102002	  	2102002	  	Smartbox Processing – Checks	  	Item	  	Service per check for SmartBox processing, i.e. performing the various inspection points and sorting payments for
processing.	  	 1.  Sorting
 2.  8 point check inspection
 3.  Review of processing instructions
 4.  Check encoding and endorsing
 5.  Reporting
	  	 1.  Wholetail lockbox processing
 2.  Check clearing and settlement
 3.  Special processing (highlighting, annotating)
 4.  Image capture
 5.  Wholesale lockbox processing

	050500	  	1339197	  	1339197	  	Special Notification Call	  	Call	  	As needed charge assessed when client is called per their instructions to provide a process/return decision for exception
items or detailed remitter information.	  	Manual exception item decisioning per call.	  	 1.  Online exceptions management,
 2.  Automated unbankables decisioning
 3.  Unbankables special Notifications on a per check basis
 4.  Unbankables image capture

	050510	  	1324244	  	1324244	  	Special Notification Check	  	Item	  	Per check charge for each check discussed with the client during the special notification call.	  	Incremental to Special Notification Call – per item fee.	  	 1.  Online exceptions management,
 2.  Automated unbankables decisioning
 3.  Unbankables special Notification Call
 4.  Unbankables image capture

	05011J	  	1520207	  	1520207	  	Special Stapling	  	Item	  	Service per item for non-standard stapling procedure other than photo matched, photo batched, or imaging
lockboxes.	  	Using paperclips instead of stapling, no stapling, or stapling 2 photocopies to the papers, etc.	  	Lockbox processing
	950530	  	 	  	2254680	  	TP LBX Unbankable Exception Item	  	Item	  	Service per envelope (batch) for imaged unbankable items presented for online decisioning via Treasury
Passport.	  	 1.  Automated unbankables.

 2.  Web-based decisioning of unbankable items.
 3.  Viewing of images of potential unbankable items.
	  	 1.  Unbankable notification calls and checks discussed with client,
 2.  unbankable
returns,
 3.  Image capture of automated unbankable items

	050530	  	2172045	  	2172045	  	Unbankables	  	Item	  	Service per item for unbankable items returned to customer.	  	 1.  Return of unbankables
to customer.
 2.  Incremental to per check and per call notification re. unbankables
 3.  Incremental to LBX Unbankable Exception Item
	  	 1.  Unbankable Exception Item (online exceptions management/automated unbankables decisioning)
 2.  Unbankable Special Notification Call and Per check for unbankables

	050303	  	1557983	  	1557983	  	Walk-In deposits	  	Envelope	  	Charge for the handling of mail received outside of the U.S. Postal stream (I.e. Federal Express, Messenger). This charge
is in addition to the deposit charges above.	  	 1.  Priority handling of
payments delivered by Fed Ex or other messenger.
 2.  Items processed day this mail
received.
	  	 1.  All
other remittances,
 2.  Lockbox processing
 3.  Sorting

	 	  	 	  	1930436	  	Wholetail Sort and Balance	  	Item	  	Require further information	  	 	  	 
	SBX	  	2019367	  	2019367	  	Within One Month Check	  	Item	  	Check level charge for processing a payment that is within one month of the billing date.	  	Grouping for checks that is within a month of the billing date — within a month before and within a month
after.	  	 1.  Other groupings — can only be in one grouping but groupings chosen hierarchically by customer,
 2.  Transmissions,
 3.  Lockbox processing

	SBX	  	2020154	  	2020154	  	Within One Month Policy	  	Policy	  	Policy level charge for processing a payment that is within one month of the billing date. Each policy within the
transaction receives the fee.	  	Policy level grouping incremental to Within One Month Check.	  	Within One Month Check

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
 Page 10 of 11 

 Exhibit 3.1B 
 Designated Lockbox Services 
  

															
	AFP
Number	  	    SID
–    
    Exhibit    	  	     SID –    
     Raw Data    
	  	Service Name	  	Unit	  	Service Description *	  	Service Includes	  	Service Excludes
	Other Services	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	Mail Processing	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	Disaster Recovery Services	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	Postage	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	CMMA / Northern Processing	  	 	  	 	  	 	  	 
	059999	  	NA	  	NA	  	SAS70 Report	  	Bank	  	Annual charge for receiving documented results of Fiserv SAS70 Type II audit	  	 	  	 
	Adjustments	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	OCR Keystroke Correction	  	Keystroke	  	 	  	 	  	 
	 
	 *  Note: Northern Trust and Fiserv mutually agree to reconcile the service level descriptions outlined in Exhibits
3.1A and 3.1B to the to be revised billing service codes agreed to in Exhibits 14.1A and 14.1B. This will be completed by December 31, 2008.
  

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 11 of 11 

 Exhibit 3.2 
 Letter of Intent Projects – Payment Services and Lockbox Services 
  

																			
	Project / Service	  	 	  	     New    
     Serv    
	  	Definition	  	Included	  	Excluded	  	Delivery Date	  	Northern Trust Requirements	  	Rights (1)	  	Penalty (2)
	Accept incoming X9.37 image files	  	IP	  	Yes	  	 Generally Available -Have the ability to receive X9.37 files in lieu of paper presentments. The incoming transit
X9.37 files will be received such that the MICR data will be processed through the Fiserv Item Processing System.
  
 Selectively Available as mutually agreed upon
	  	 •    Receipt of the ICL
 •    IQA to check the quality and usability of the file
 •    Process the ICL at the individual item level
	  	 •    Paper outgoing
 •    Returns
 •    IRDs
	  	 03/31/09
  
  
  
 1-02-08
	  	Readiness of Northern Trust Surveillance system by 01/31/09	  	 	  	 
	Outbound X9.37 image files	  	IP	  	Yes	  	 Generally Available -Have the ability to send X9.37 files in lieu of paper. Images will be sent in Image Cash
Letters (ICL).
  
 Selectively Available as mutually agreed upon.
	  	 •    IQA
 •    Creation of the X9.37 files for Image Cash Letters
 •    Transmission of the ICL
 •    Clearing fees associated with the ICL
	  	 •    Paper  presentment
 •    Returns
 •    IRDs
	  	 03/31/09
  
  
 1-02-08
	  	 	  	 	  	 
	Originate returns from image archive	  	IP	  	Yes	  	When Northern Trust drawn items are returned for any reason, the image will be sent in lieu of the paper. The image will carry the appropriate information
for out-going return processing	  	Processing of the return electronically	  	Physical paper return item processing	  	10/31/08	  	 	  	 	  	 
	Exception processing – DSS TRIPS, DSV, CSV	  	IP	  	 Exception – No
  
 DSV – Yes
	  	 There are two definitions for this processing
  
 1.  DSS Exceptions provides a single exception
processing tool for Fiserv and potentially Northern Trust. Images and data (exceptions with reason codes) will be ingested into the system and processed in lieu of paper.
  
 2.  DSV / CSV is digital signature verification
and check stock verification
	  	For DSV, it is the paying of checks similar to current paper process (Back office).	  	 Exceptions
 •    Return item processing
 •    Other exception processing that is in the Designated Service exhibit
 •    Online viewing
 •    Retention
  
 DSV
 •    Integrating Northern Trust electronic signature cards into the system
 •    Front counter (branch) verification
	  	 1.     Except
  
 05/31/08
  
 2.     DSV /CSV
  
 09/31/08
	  	 •    Full Northern Trust resource requirement
for input and development of proper interfaces by 01/02/08
  
 •    Agreed DSV / CSV Service Agreement by 04/01/08
	  	 	  	 
	 	 	 	 	 	 	 	 	 	 
	Data line correction and mismatch detection and correction	  	IP	  	No	  	Data line correction and it will provide the ability to provide updated information to the image archive. If the incorrect codeline is attached (indexed) to an image, this service will allow the
corrected record including codeline to be added to the image archive	  	Ability to accept a correct codeline file from Northern Trust and potentially internally at Fiserv	  	Image capture	  	04/30/08	  	 •    Ability to send the corrected file by 12/15/07
	  		  	 
	 	 	 	 	 	 	 	 	 	 
	CD / DVD Output	  	IP	  	Yes	  	Ability to provide DVD as another image delivery option and expand the CD and DVD products to include encryption	  	128-bit encryption capabilities	  	Postage or delivery costs	  	 Encrypted CD 01/31/08
  
 DVD Capability 04/30/08
	  	 	  	 	  	 

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 1 of 6 

 Exhibit 3.2 
 Letter of Intent Projects – Payment Services and Lockbox Services 
  

																			
	Project / Service	  	 	  	     New    
     Serv    
	  	Definition	  	Included	  	Excluded	  	Delivery Date	  	Northern Trust Requirements	  	Rights (1)	  	Penalty (2)
	7-Year Image archive	  	Lockbox	  	Yes	  	The 7-Year Image Archive is a new multi-year image archive product / service that retains check and remittance document images for work processed from 90
days through seven years previously. The 90-day archive is the standard product. The service will be offered in increments of one year. Tiers will define the storage requirement.	  	 •    Up to 7 year storage of images

 
 •    API for Treasury Passport

	  	 •    Storage of Business Logic
  
 •    Work processed 8 years or more
in the past
  
 •    Healthcare Lockbox images
  
 •    Retrievals outside the Northern Trust tools and API
  
 •    Image Delivery other than Treasury Passport delivery
  
 •    Special requests for bulk
image ingestion or delivery
  
 •    Image Capture
	  	02/28/08	  	 	  	 	  	 
	Encrypted CD / DVD Output	  	Lockbox	  	Yes	  	DVDs and CD-ROMs are Image Lockbox output options. Check and remittance document images are available on DVDs or on CD-ROMs
daily, weekly, or monthly. The products include a standalone viewable CD or DVD and encryption of the entire contents of the disc.	  	 •    DVD
Capable
  
 •    Images
must be in TIF or JPG file formats.
  
 •    Custom labels.
  
 •    Image Viewer burnt onto CD or DVD.
  
 •    Print and search capability
	  	 •    A
cumulative index
  
 •    Postage or delivery cost
  
 •    Duplicate CD/DVD creation
  
 •    Able to burn ad hoc jobs based on any variation of criteria.
  
	  	 Encrypted CD 01/31/08
  
 DVD Capability 04/30/08
	  	 	  	 	  	 

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 2 of 6 

 Exhibit 3.2 
 Letter of Intent Projects – Payment Services and Lockbox Services 
  

																			
	Project / Service	  	 	  	     New    
     Serv    
	  	Definition	  	Included	  	Excluded	  	Delivery Date	  	Northern Trust Requirements	  	Rights (1)	  	Penalty (2)
	Healthcare – EOB data capture	  	Lockbox	  	Yes – multiple services	  	 Healthcare Lockbox is a new, comprehensive revenue cycle and health data
information management services line/category, focused on automating payment services, for healthcare providers and payers that are customers of RemitStream Solutions’ financial institution clients.
  
 The following new services:
  
 1.  Automated EOBs
  
 2.  Automated EOBs with Patient Pays
–
  
 3.  Balanced, Consolidated
835 transmissions
  
 4.  Secondary
billing
  
 5.  Exceptions Management

  
 6.  Denials Management

 
 7.  Image Capture
  
 8.  Image Delivery; transmission, CD-ROM, or other
mechanisms
  
 9.  Data Transmission

  
 10. Sending 835 file to healthcare
provider Correspondence processing Implementation
  
 The services above is not an
inclusive list of services and additional services may be defined upon further requirements.
	  	 •    Provided
from existing processing sites – Chicago, Walnut, Miami
  
 •    Processing payments from health plans and patient pays
  
 •    Private-labeling of the Fiserv’s provider online functionality
	  	 •    Revisions to the service offering that result in RemitStream becoming a covered entity under HIPAA
  
 •    Required Hardware
  

•    In-house (within RemitStream) extraction of the EOB data and creation of an 835
  
 •    Online searches by more than
the standard six fields
  
 •    Full integration with Treasury Passport
  
 •    Single sign-on from Treasury Passport
  
 •    Lockbox On-line is a component of these set of services
  
 •    Connectivity between the
Northern Trust customer and Fiserv’s partner
  
 •    Internet access ISP services
	  	04/30/08	  	 •    Provide
a pilot customer by 11/01/07
  
 •    Agreed set of services for pilot customer 01/31/08
  
 •    Hyperlink from Treasury Passport to RMS by 04/01/08
	  	 	  	 

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 3 of 6 

 Exhibit 3.2 
 Letter of Intent Projects – Payment Services and Lockbox Services 

																			
	Project / Service	  	 	  	     New    
     Serv    
	  	Definition	  	Included	  	Excluded	  	Delivery Date	  	Northern Trust Requirements	  	Rights (1)	  	Penalty (2)
	Application of credit card payments to client preferred merchant vendor	  	Lockbox	  	No	  	 The service will expand the current number of providers that Credit Card payments can be used.
  
 The list of Credit Card processor will be a joint list mutually agreed between Fiserv and Northern
Trust
	  	Current provider is Paymentech	  	Credit Card processors that are not on the list and not qualified by Fiserv	  	 02/28/08 for first Credit Card Processor
  
 The list of subsequent credit card processors and the related implementation dates to be mutually
agreed upon
	  	 	  	 	  	 
	Upgrade of the DMP Platform to version 4.07.03	  	Lockbox	  	As noted in the definition	  	 The upgrade will allow Fiserv to get to the next supported level and it builds the foundation of potential new
services (which are stated in this schedule)
  
 The upgrade will include the base
functionality of the platform and the integration to expand the functionality in capability and product. These include:
  
 •    Up-front imaging
  
 •    Stop file capabilities
  
 •    ICR
  
 •    Satellite capture of wholesale
lockbox items
  
 •    Create X9.37
  
 •    Remote Deposit capture
  
 Once completed, the
following new features will be included as new services in the Designated Lockbox services.
  
 1.     Stop file capabilities
  
 2.     Create X9.37
  
 3.     Remote Deposit
capture
	  	 Hardware and software purchases, report modification and testing.
  
 All costs related to the customization required that are unique to Northern Trust, shall be borne by
Fiserv.
	  	 •    New services that are defined in this
schedule
  
 •    The DR
site will not be included in this project. However, modification to the DR site will be necessary and should be addressed during the next DR site visit.
	  	 •     Up-front imaging 09/30/08
  
 •    Stop file 06/30/08

 
 •    ICR 07/31/08
  
 •    Satellite capture WHLBX
06/30/08
  
 •     Create
X9.37 05/31/08
  
 •    Remote Deposit capture 07/31/08
	  	 •    RDC Pilot client by 05/01/08
	  	 	  	 
	Multi-Bank depositing to any Northern Trust DDA account	  	Lockbox	  	No	  	Ability to send a Lockbox deposit file to the Northern Trust Core Processor	  	 	  	 	  	Complete	  	 	  	 	  	 
	Clearing items via X9.37	  	Lockbox	  	Yes	  	Reference Project “Upgrade of the DMP Platform to version 4.07.03”	  	 	  	 	  	Reference above	  	 	  	 	  	 

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 4 of 6 

 Exhibit 3.2 
 Letter of Intent Projects – Payment Services and Lockbox Services 
  

																			
	Project / Service	  	 	  	     New    
     Serv    
	  	Definition	  	Included	  	Excluded	  	Delivery Date    	  	Northern Trust Requirements	  	Rights (1)	  	Penalty (2)
	Electronic bill presentment and payment capabilities	  	Lockbox	  	Yes	  	 Ability for Northern Trust Lockbox clients to accept their payments through the following vehicles:

 
 •   Telephone
  
 •   Internet – on-line bill pay

	  	 	  	 	  	09/30/08	  	 	  	 	  	 
	ICR assisted keying	  	Lockbox	  	No	  	Reference Project “Upgrade of the DMP Platform to version 4.07.03”	  	 	  	 	  	Reference above	  	 	  	 	  	 
	Remote deposit capture, using one piece of scanning equipment installed at the client site	  	Lockbox	  	Yes	  	 This service provides the capability to have Northern Trust clients make Remote deposit capture for Wholesale
Lockbox.
  
 This product will allow customers to scan payments at their location
(walk-ins to the corporate office) and send images to RemitStream for inclusion with the other payments received at their lockboxes.
  
 Further definition will be need to be mutually agreed upon between Fiserv and Northern Trust.
	  	The product requires one scanner for wholesale lockbox RDC	  	 	  	Reference above	  	 	  	 	  	 
	Upfront imaging workflow	  	Lockbox	  	No	  	Reference Project “Upgrade of the DMP Platform to version 4.07.03”	  	 	  	 	  	Reference above	  	 	  	 	  	 
	Locations	  	Lockbox	  	 	  	 Establish Lockbox network sites in the following locations by the indicated
dates:
  
 •    Atlanta -
September 30, 2008
  
 •    Dallas – June 30, 2009
  
 •    Mutually Agreed Upon 3rd Site – June 30, 2010
  
 •    Mutually Agreed Upon 4th Site – June 30, 2011
  
	  	 	  	 	  	 •    Atlanta
– 09/30/08
  
 •    Dallas – 06/30/09
  
 •    Mutually Agreed
Upon 3rd Site – 06/30/10
  
 •    Mutually Agreed
Upon 4th Site – 06/30/11
	  	 	  	 	  	 

 Note 1: The delivery of the above projects / services within the timeframes are material obligations and therefore
subject to Section 19.2 of the agreement. 
 Note 2: Failure to meet the requirements specified by the delivery dates result in the following penalties:

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust                 

  

 Page 5 of 6 

 Exhibit 3.2 
 Letter of Intent Projects – Payment Services and Lockbox Services 
  

	 	•	 	 Any items scheduled to be delivered in 2008, must be delivered by December 31, 2008. If any items scheduled for delivery in 2008 are not delivered in 2008 then
there will be no COLA increase applied to any Fees in 2009. 

  

	 	•	 	 All 2008 items not delivered in 2008, must be delivered by June 30,2009. If any of the 2008 items, are delayed for delivery until June 30, 2009, and are
not delivered by that date then no COLA increase will be applied to any Fees in 2010 . 

  

	 	•	 	 Any items to be delivered in 2009, must be delivered by December 31, 2009. If any items scheduled for delivery in 2009 are not delivered in 2009 then there
will be no COLA increase applied to any Fees in the next available year. (For example, if 2008 items are missed in 2009 then 2009 would be fall to 2011.) 

 Execution Copy: October 26, 2007 
 Initials: Fiserv
                 Northern Trust                  
  

 Page 6 of 6 

 Exhibit 14.1A 
 Designated Item Processing Fees 

																	
	 	 	 	 	TOTAL May 2006 to April 2007	 	Contract Pricing	 	  	 	  	 	 Revised Total    
 Bill*

	  	 	  	 	Actual Volume    	 	Actual Bill*    	 	Actual Volume    	 	Projected Bill*    	 	Avg. Price*    	 	Unit Price*    	 
	 ITEM PROCESSING
	 	 	 	 	 	 	 	 	 	 
	 Standard Transit =< 750,000 per month
	 	 	 	 	 	 	 	 	 	 
	 1
	 	Standard Transit - Chicago City	 	2,379,631    	 	 	 	2,379,631    	 	 	 	 	 	 	 	 
	 2
	 	Standard Transit - Chicago RCPC	 	2,796,427    	 	 	 	2,796,427    	 	 	 	 	 	 	 	 
	 3
	 	Standard Transit - CORR DF	 	2,009,768    	 	 	 	2,009,768    	 	 	 	 	 	 	 	 
	 4
	 	Standard Transit - Other Fed	 	8,786,543    	 	 	 	8,786,543    	 	 	 	 	 	 	 	 
	 5
	 	Standard Transit - On-Us - *	 	67,916    	 	 	 	67,916    	 	 	 	 	 	 	 	 
	 Major Transit = > than 750,000 items
	 	 	 	 	 	 	 	 	 	 
	 6
	 	Major Transit - Chicago City	 	4,533,594    	 	 	 	4,533,594    	 	 	 	 	 	 	 	 
	 7
	 	Major Transit - Chicago RCPC	 	6,672,295    	 	 	 	6,672,295    	 	 	 	 	 	 	 	 
	 8
	 	Major Transit - CORR DF	 	833,121    	 	 	 	833,121    	 	 	 	 	 	 	 	 
	 9
	 	Major Transit - Other Fed	 	628,245    	 	 	 	628,245    	 	 	 	 	 	 	 	 
	 10
	 	Major Transit - On-Us	 	161,539    	 	 	 	161,539    	 	 	 	 	 	 	 	 
	 Lockbox Transit
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 11
	 	Lockbox - Chicago City	 	934,376    	 	 	 	934,376    	 	 	 	 	 	 	 	 
	 12
	 	Lockbox - Chicago RCPC	 	1,599,817    	 	 	 	1,599,817    	 	 	 	 	 	 	 	 
	 13
	 	Lockbox - CORR DF	 	2,442,773    	 	 	 	2,442,773    	 	 	 	 	 	 	 	 
	 14
	 	Lockbox - Other Fed	 	10,451,013    	 	 	 	10,451,013    	 	 	 	 	 	 	 	 
	 15
	 	Lockbox - On-Us	 	97,732    	 	 	 	97,732    	 	 	 	 	 	 	 	 
	 16
	 	Transit Rejects	 	2,352    	 	 	 	448,387    	 	 	 	 	 	 	 	 
	 	 	 Transit Reject Rate - **
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 Non
Transit Clearing
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 17
	 	Controlled Disbursement - Capture	 	66,827,299    	 	 	 	66,827,299    	 	 	 	 	 	 	 	 
	 18
	 	On-us Inclearings - Capture/Except Pull	 	12,142,154    	 	 	 	12,142,154    	 	 	 	 	 	 	 	 
	 19
	 	CD and Onus - Rejects	 	12    	 	 	 	2,203,248    	 	 	 	 	 	 	 	 
	 	 	 CD and Onus Reject Rate - **
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 20
	 	Statement Sort	 	12,038,305    	 	 	 	12,038,305    	 	 	 	 	 	 	 	 
	 21
	 	Fine Sort-HUL***	 	79,772,381    	 	 	 	79,772,381    	 	 	 	 	 	 	 	 
	 22
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 23
	 	Cashletter Correction	 	1,638    	 	 	 	1,638    	 	 	 	 	 	 	 	 
	 24
	 	Encoding - Line & G/L & Corp	 	8,839,037    	 	 	 	8,839,037    	 	 	 	 	 	 	 	 
	 25
	 	Encoding - Correction	 	6,066    	 	 	 	6,066    	 	 	 	 	 	 	 	 
	 26
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 RETURNS
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 27
	 	Chargeback Standard	 	98,329    	 	 	 	98,329    	 	 	 	 	 	 	 	 
	 28
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 29
	 	Redeposit Standard	 	69,543    	 	 	 	69,543    	 	 	 	 	 	 	 	 
	 30
	 	 	 	0    	 	 	 	0    	 	 	 	 	 	 	 	 
	 31
	 	Outgoing	 	96,679    	 	 	 	96,679    	 	 	 	 	 	 	 	 
	 DEPOSIT ACCOUNT SERVICES
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 32
	 	Daily Exceptions	 	120,426    	 	 	 	120,426    	 	 	 	 	 	 	 	 
	 33
	 	Stop Exceptions	 	29,559    	 	 	 	29,559    	 	 	 	 	 	 	 	 
	 34
	 	ARX Warns	 	192,941    	 	 	 	192,941    	 	 	 	 	 	 	 	 
	 35
	 	ARX Rejects	 	128,279    	 	 	 	128,279    	 	 	 	 	 	 	 	 
	 36
	 	Overdraft decision resulting in return	 	13,778    	 	 	 	13,778    	 	 	 	 	 	 	 	 

	*	Amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Execution Copy: October 26, 2007 
 Initials:
Fiserv                 Northern Trust                  
 Page 1 of 4 

 Exhibit 14.1A 
 Designated Item Processing Fees 

																	
	 	 	 	 	TOTAL May 2006 to April 2007	 	Contract Pricing	 	  	 	  	 	 Revised Total    
 Bill*

	  	 	  	 	Actual Volume    	 	Actual Bill*    	 	Actual Volume    	 	Projected Bill*    	 	Avg. Price*    	 	Unit Price*    	 
	 37
	 	Client Based Positive Pay Exceptions	 	4,891    	 	 	 	4,891    	 	 	 	 	 	 	 	 
	 38
	 	Manual Adds and Deletes	 	10,299    	 	 	 	10,299    	 	 	 	 	 	 	 	 
	 39
	 	Process Stop Calls	 	40,916    	 	 	 	40,916    	 	 	 	 	 	 	 	 
	 40
	 	Standard PE Enquiry	 	5,973    	 	 	 	5,973    	 	 	 	 	 	 	 	 
	 41
	 	AT&T PE	 	12    	 	 	 	12    	 	 	 	 	 	 	 	 
	 42
	 	Prepare Automated Statement	 	235,444    	 	 	 	235,444    	 	 	 	 	 	 	 	 
	 43
	 	Prepare Manual CBIS/Putnam Stmt	 	44,606    	 	 	 	44,606    	 	 	 	 	 	 	 	 
	 44
	 	Prepare Manual Statement	 	251,024    	 	 	 	251,024    	 	 	 	 	 	 	 	 
	 45
	 	Check Retention Boxes	 	21,102    	 	 	 	21,102    	 	 	 	 	 	 	 	 
	 46
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 47
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 48
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 49
	 	Recon ARX Partial	 	24,777    	 	 	 	24,777    	 	 	 	 	 	 	 	 
	 50
	 	Recon ARX Full	 	13,595    	 	 	 	13,595    	 	 	 	 	 	 	 	 
	 51
	 	Check Filing	 	79,967,400    	 	 	 	79,967,400    	 	 	 	 	 	 	 	 
	 52
	 	Check Paying-DPS/ARX Fraud	 	1,786,455    	 	 	 	1,786,455    	 	 	 	 	 	 	 	 
	 53
	 	Check Paying - RAS/GECC/CMMA Fraud	 	291,113    	 	 	 	291,113    	 	 	 	 	 	 	 	 
	 54
	 	Collections On-Us	 	1,248    	 	 	 	1,248    	 	 	 	 	 	 	 	 
	 55
	 	Collections Not On-Us	 	1,169    	 	 	 	1,169    	 	 	 	 	 	 	 	 
	 56
	 	International Cashletter	 	32,547    	 	 	 	32,547    	 	 	 	 	 	 	 	 
	 INVESTIGATIONS
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 57
	 	Process High Speed Photo	 	54,969    	 	 	 	54,969    	 	 	 	 	 	 	 	 
	 58
	 	Process Low Speed Photo	 	82,081    	 	 	 	82,081    	 	 	 	 	 	 	 	 
	 59
	 	Process Adjustment	 	131,183,388    	 	 	 	131,183,388    	 	 	 	 	 	 	 	 
	 YET TO
BE DETERMINED ADJUSTMENT
	 	 	 	 	 	 	 	 	 	 
	 60
	 	Unknown	 	(12)  	 	 	 	12    	 	 	 	 	 	 	 	 
	 NEW
SERVICES
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 61
	 	CD-Rom-Creation-Items<2,500,000	 	30,000,000    	 	 	 	30,000,000    	 	 	 	 	 	 	 	 
	 62
	 	CD-Rom-Creation-Items>2,500,000	 	10,639,430    	 	 	 	10,639,430    	 	 	 	 	 	 	 	 
	 63
	 	CD-Rom-Copies	 	2,045    	 	 	 	2,045    	 	 	 	 	 	 	 	 
	 64
	 	Microfilm Index	 	12,783    	 	 	 	12,783    	 	 	 	 	 	 	 	 
	 65
	 	Putnam Image Statements-Postage	 	12    	 	 	 	12    	 	 	 	 	 	 	 	 
	 66
	 	Seven Year Archive-All Other	 	176,910,359    	 	 	 	176,910,359    	 	 	 	 	 	 	 	 
	 67
	 	Archive Retrieval <120 days	 	272,676    	 	 	 	272,676    	 	 	 	 	 	 	 	 
	 68
	 	Seven Year Archive-Conversion Fee	 	5,584,614    	 	 	 	5,584,614    	 	 	 	 	 	 	 	 
	 69
	 	Image Capture	 	155,610,966    	 	 	 	155,610,966    	 	 	 	 	 	 	 	 
	 70
	 	Major Transit-AT&T < 5 million	 	1,930,674    	 	 	 	1,930,674    	 	 	 	 	 	 	 	 
	 71
	 	Services Rendered in Walnut, Cal.	 	12    	 	 	 	12    	 	 	 	 	 	 	 	 
	 72
	 	Payee Verification-Interrogration	 	4,766,934    	 	 	 	4,766,934    	 	 	 	 	 	 	 	 
	 73
	 	Payee Verification Warns	 	59,089    	 	 	 	59,089    	 	 	 	 	 	 	 	 
	 74
	 	Discount on Maj. Tran. AT&T	 	(1,930,674)  	 	 	 	(1,930,674)  	 	 	 	 	 	 	 	 
	 75
	 	CD-Rom-Benefit Payment	 	199,692    	 	 	 	199,692    	 	 	 	 	 	 	 	 
	 76
	 	Putnam Image Automated Statement	 	41,626    	 	 	 	41,626    	 	 	 	 	 	 	 	 
	 77
	 	Putnam Image Manual Statement	 	68    	 	 	 	68    	 	 	 	 	 	 	 	 
	 78
	 	CD-Rom-Lockbox-Documents<100,000	 	1,200,000    	 	 	 	1,200,000    	 	 	 	 	 	 	 	 

  

	*	Amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Execution Copy: October 26, 2007 
 Initials:
Fiserv                 Northern Trust                  
  

 Page 2 of 4 

 Exhibit 14.1A 
 Designated Item Processing Fees 
  

																	
	 	 	 	 	TOTAL May 2006 to April 2007	 	Contract Pricing	 	  	 	  	 	  
	  	 	  	 	Actual Volume    	 	Actual Bill*    	 	Actual Volume    	 	Projected Bill*    	 	Avg. Price*    	 	Unit Price*    	 	 Revised Total    
 Bill*

	 79
	 	CD-Rom-Lockbox-Documents>100,000	 	5,435,232    	 	 	 	5,435,232    	 	 	 	 	 	 	 	 
	 80
	 	CD-Rom-Lockbox-Checks<100,000	 	1,200,000    	 	 	 	1,200,000    	 	 	 	 	 	 	 	 
	 81
	 	CD-Rom-Lockbox-Checks>100,000	 	2,860,108    	 	 	 	2,860,108    	 	 	 	 	 	 	 	 
	 81
	 	CD-Rom-Lockbox-Copies	 	965    	 	 	 	965    	 	 	 	 	 	 	 	 
	 83
	 	Disaster Recovery Site	 	12    	 	 	 	12    	 	 	 	 	 	 	 	 
	 84
	 	Dominicks-Encoding	 	1,083,386    	 	 	 	1,083,386    	 	 	 	 	 	 	 	 
	 85
	 	Dominicks-Corrections	 	960    	 	 	 	960    	 	 	 	 	 	 	 	 
	 86
	 	Cola Credit	 	(12)  	 	 	 	(12)  	 	 	 	 	 	 	 	 
	 87
	 	Small Business Report	 	12    	 	 	 	12    	 	 	 	 	 	 	 	 
	 88
	 	Payee Verification-DR <100,000	 	1,200,000    	 	 	 	1,200,000    	 	 	 	 	 	 	 	 
	 89
	 	Payee Verification-DR >100,000	 	3,566,934    	 	 	 	3,566,934    	 	 	 	 	 	 	 	 
	 90
	 	Merchant Capture-Chicago City	 	27,063    	 	 	 	27,063    	 	 	 	 	 	 	 	 
	 91
	 	Merchant Capture-RCPC	 	24,404    	 	 	 	24,404    	 	 	 	 	 	 	 	 
	 92
	 	Merchant Capture-Correspondent	 	13,160    	 	 	 	13,160    	 	 	 	 	 	 	 	 
	 93
	 	Merchant Capture-Fed	 	42,869    	 	 	 	42,869    	 	 	 	 	 	 	 	 
	 94
	 	Merchant Capture-On Us	 	3,546    	 	 	 	3,546    	 	 	 	 	 	 	 	 
	 95
	 	Image Statement Composition	 	4,243,806    	 	 	 	4,243,806    	 	 	 	 	 	 	 	 
	 96
	 	AT&T- Transit-Chicago City	 	2,649,054    	 	 	 	2,649,054    	 	 	 	 	 	 	 	 
	 97
	 	AT&T-Transit-RCPC	 	2,467,653    	 	 	 	2,467,653    	 	 	 	 	 	 	 	 
	 98
	 	AT&T-Transit-Corr	 	8,420,579    	 	 	 	8,420,579    	 	 	 	 	 	 	 	 
	 99
	 	AT&T-Transit-Fed	 	7,818,064    	 	 	 	7,818,064    	 	 	 	 	 	 	 	 
	 100
	 	Process Adjustment-AT&T Incremental Vol	 	15,576,778    	 	 	 	15,576,778    	 	 	 	 	 	 	 	 

  

	*	Amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

  

	
	Line item 75 - Moved to Lockbox Billing File
	Line item 78 - Moved to Lockbox Billing File
	Line item 79 - Moved to Lockbox Billing File
	Line item 80 - Moved to Lockbox Billing File

 Execution Copy: October 26, 2007 
 Initials: Fiserv                 Northern Trust
                 
  

 Page 3 of 4 

 Exhibit 14.1A 
 Designated Item Processing Fees 
  

													
	TOTAL May 2006 to April 2007	 	Contract Pricing	 	  	 	  	 	  
	Actual Volume    	 	Actual Bill*        	 	Actual Volume    	 	Projected Bill*    	 	Avg. Price*    	 	Unit Price*    	 	 Revised Total    
 Bill*

	 Line item
81 - Moved to Lockbox Billing File
	 	 	 	 	 	 	 	 	 	 
	 Line item
82 - Moved to Lockbox Billing Fil
	 	 	 	 	 	 	 	 	 	 

  

	*	Amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Note: 
 Northern Trust and Fiserv mutually agree to reconcile the
Fiserv billing files to the Northern Trust SID level. 
 The allocation to the SID level will reconcile to the total costs agreed upon in Exhibits
14.1A and 14.1B. 
 This will be completed by June 30, 2008. 
 Execution Copy: October 26, 2007 
 Initials: Fiserv
                Northern Trust                  
  

 Page 4 of 4 

 Exhibit 14.1B 
 Designated Lockbox Service Fees 
  

															
	 	  	 	  	Totals (Actual May 2006 to April 2007)	  	New Contract Pricing
	 SID
	  	 SID DESCRIPTION
	  	Total Vol.	  	Total Cost*	  	Unit Price*	  	Total Vol.	  	Revised Total Bill*	  	Unit Price*
		  	ACCT. # CAPTURE - AS BILLED	  	19,048	  		  		  	19,048	  		  	
		  	ACH REPRT SCANNING FEE	  	3	  		  		  	3	  		  	
	1946963	  	ADD A POLICY	  	6,354	  		  		  	6,354	  		  	
	2117742	  	ALLOCATION FUND	  	1,773	  		  		  	1,773	  		  	
	2118529	  	ALLOCATIONS CHECK	  	838	  		  		  	838	  		  	
	2117742	  	ALLOCATIONS FUND	  	952	  		  		  	952	  		  	
	1700632	  	AS BILLED CHECKS	  	217,780	  		  		  	217,780	  		  	
	1702993	  	AS BILLED POLICY RECORDS	  	863,160	  		  		  	863,160	  		  	
	1730538	  	AUTOMATED LOCKBOX SERVICES	  	94,788	  		  		  	94,788	  		  	
	2121677	  	CASH EQUIVALENCY CHECK	  	2,492	  		  		  	2,492	  		  	
	2120890	  	CASH EQUIVALENCY POLICY	  	6,111	  		  		  	6,111	  		  	
	2192507	  	CD ROM CHECKS	  	3,135,832	  		  		  	3,135,832	  		  	
	2192507	  	CD ROM DOCUMENTS	  	4,571,477	  		  		  	4 ,571,477	  		  	
	2201951	  	CD ROM MONTHLY FEE	  	5,579	  		  		  	5,579	  		  	
		  	CD-Rom-Benefit Payment	  		  		  		  	199,692	  		  	
		  	CD-Rom-Lockbox-Documents<100,000	  		  		  		  	1 ,200,000	  		  	
		  	CD-Rom-Lockbox-Documents>100,000	  		  		  		  	5 ,435,232	  		  	
		  	CD-Rom-Lockbox-Checks<100,000	  		  		  		  	1 ,200,000	  		  	
		  	CD-Rom-Lockbox-Checks>100,000	  		  		  		  	2,860,108	  		  	
		  	CD-Rom-Lockbox-Copies (Duplicated)	  		  		  		  	965	  		  	
	1948537	  	CHANGE DOLLAR AMOUNT	  	261,227	  		  		  	261,227	  		  	
	2104363	  	CHANGES CHECK	  	885	  		  		  	885	  		  	
	2105150	  	CHANGES POLICY	  	54,037	  		  		  	54,037	  		  	
	1438359	  	CHECK ONLY W/COMPLEX SORT	  	4,456	  		  		  	4,456	  		  	
	2179915	  	CHECKS IMAGED	  	5,366,923	  		  		  	5,366,923	  		  	
	1134577	  	CIRCLE AMOUNT AND OTHER INFO.	  	110,053	  		  		  	110,053	  		  	
	1151104	  	COMPLEX SORT	  	1,605,143	  		  		  	1,605,143	  		  	
	2148061	  	CORRESPONDENCE CHECK	  	1,534	  		  		  	1,534	  		  	
	2146074	  	CORRESPONDENCE POLICY	  	8,224	  		  		  	8,224	  		  	
	2180702	  	COUPONS IMAGED	  	346,587	  		  		  	346,587	  		  	
	1940667	  	CREATE A BILL CHECK	  	4,398	  		  		  	4,398	  		  	
	1943815	  	CREATE A BILL POLICY	  	6,643	  		  		  	6,643	  		  	
	1702206	  	CUSTOMER GEN CHECKS	  	62,012	  		  		  	62,012	  		  	
		  	CUSTOMER GEN W/FAX POLICIES	  	18	  		  		  	18	  		  	
	1704567	  	CUSTOMER GENERATED POLICY RECORD	  	977,757	  		  		  	977,757	  		  	
	1184945	  	DATA CONSOLIDATION/BANK	  	48	  		  		  	48	  		  	
	1185732	  	DATA CONSOLIDATION/MTHLY MAINT.	  	589	  		  		  	589	  		  	
	1186519	  	DATA TRANS. MONTHLY MAINTENANCE	  	8,032	  		  		  	8,032	  		  	

  

	*	Amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Execution Copy: October 26, 2007 
 Initials:
Fiserv                  Northern Trust                  
  

 Page 1 of 4 

 Exhibit 14.1B 
 Designated Lockbox Service Fees 

															
	 	  	 	  	Totals (Actual May 2006 to April 2007)	  	New Contract Pricing
	 SID
	  	 SID DESCRIPTION
	  	Total Vol.	  	Total Cost*	  	Unit Price*	  	Total Vol.	  	Revised Total Bill*	  	Unit Price*
	1190454	  	DATA TRANSMISSION FILE	  	47,085	  		  		  	47,085	  		  	
	1188880	  	DATA TRANSMISSION/RECORD	  	5,651,685	  		  		  	5,651,685	  		  	
	1192028	  	DATE STAMPING	  	24	  		  		  	24	  		  	
	1947750	  	DELETE A POLICY	  	409,230	  		  		  	409,230	  		  	
	1944602	  	DEPOSIT OOB BILL POLICY	  	100,446	  		  		  	100,446	  		  	
	1751000	  	DEPOSIT OOB CHECKS	  	4,878	  		  		  	4,878	  		  	
	1944544	  	DO NOT DEPOSIT CHECKS	  	5,040	  		  		  	5,040	  		  	
	1945389	  	DO NOT DEPOSIT POLICY	  	9,376	  		  		  	9,376	  		  	
		  	DOCUMENT IMAGE SCAN/INDEX	  	11,604,759	  		  		  	11,604,759	  		  	
	2202738	  	DUPLICATE CD ROM (Client Consolidated)	  	7,968	  		  		  	7,968	  		  	
	1247905	  	ENVELOPE PHOTOCOPY	  	225	  		  		  	225	  		  	
		  	EXTRA ACCOUNT BATCH LISTING	  	10,151	  		  		  	10,151	  		  	
	1259710	  	EXTRA DEPOSIT NOTIFICATION	  	18,591	  		  		  	18,591	  		  	
	1262071	  	EXTRA PHOTOCOPY	  	112,781	  		  		  	112,781	  		  	
		  	FAX	  	11	  		  		  	11	  		  	
	2151583	  	FAX REPORTS	  	9,121	  		  		  	9,121	  		  	
		  	FISERV ONLINE MAINTENANCE	  	563	  		  		  	563	  		  	
		  	FULL PAY PROC W/COMPLEX SORT	  	18,049	  		  		  	18,049	  		  	
	1923353	  	FULL PAY SINGLE PROCESSING	  	1,157,822	  		  		  	1,157,822	  		  	
		  	IMAGE MAINTENANCE	  	240	  		  		  	240	  		  	
		  	IMAGE TRANSMISSION	  	743	  		  		  	743	  		  	
	1706141	  	INTERACTIVE DATABASE	  	10,432,109	  		  		  	10,432,109	  		  	
	1306143	  	INVOICE BALANCING	  	1,024,378	  		  		  	1,024,378	  		  	
	1315587	  	KEYSTROKE CHARGE	  	250,987,641	  		  		  	250,987,641	  		  	
	1613073	  	LBX CHECK RECEIPT VERIFICATION	  	1,130	  		  		  	1,130	  		  	
	2018580	  	LOAN CHECKS	  	1,083	  		  		  	1,083	  		  	
	2017793	  	LOAN POLICIES	  	1,317	  		  		  	1,317	  		  	
	1969786	  	LOCKBOX CREDIT CARD PROCESSING	  	21,237	  		  		  	21,237	  		  	
	1333688	  	LOCKBOX DEPOSITS	  	552,810	  		  		  	552,810	  		  	
	1336049	  	LOCKBOX ITEMS DEPOSITED	  	15,265,811	  		  		  	15,265,811	  		  	
	1336836	  	LOCKBOX MONTHLY MAINTENANCE	  	19,448	  		  		  	19,448	  		  	
	1847014	  	LOCKBOX PHOTOCOPY-WHOLETAIL	  	215,400	  		  		  	215,400	  		  	
	1433386	  	LOCKBOX PROCESSING	  	13,692,099	  		  		  	13,692,099	  		  	
		  	LOCKBOX PHOTOCOPY	  	10,953,679	  		  		  	10,953,679	  		  	
		  	LOCKBOX RENTAL	  	411	  		  		  	411	  		  	
		  	LOCKBOX SERVICES	  	94,881	  		  		  	94,881	  		  	
	1612286	  	LOCKBOX TOTAL INQUIRY	  	301	  		  		  	301	  		  	
	1344706	  	MAIL FORWARDING FEE	  	181	  		  		  	181	  		  	
	1345493	  	MAIL FORWARDING MAINTENANCE	  	10	  		  		  	10	  		  	
	1352576	  	MICR CAPTURE	  	7,606,812	  		  		  	7,606,812	  		  	

	*	Amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Execution Copy: October 26, 2007 
 Initials:
Fiserv                  Northern Trust                  
 Page 2 of 4 

 Exhibit 14.1B 
 Designated Lockbox Service Fees 
  

															
	 	  	 	  	Totals (Actual May 2006 to April 2007)	  	New Contract Pricing
	 SID
	  	 SID DESCRIPTION
	  	Total Vol.	  	Total Cost*	  	Unit Price*	  	Total Vol.	  	Revised Total Bill*	  	Unit Price*
		  	MULT ITEM PROC W/COMPLEX SORT	  	523	  		  		  	523	  		  	
	1924927	  	MULTIPLE ITEM PROCESSING	  	164,398	  		  		  	164,398	  		  	
	1391926	  	NO CHECK ENCLOSED ITEMS	  	1,091,518	  		  		  	1,091,518	  		  	
	1980804	  	NO ITEM ENCLOSED - MONTHLY FEE	  	12	  		  		  	12	  		  	
	2173619	  	NON LOCKBOX MAIL RECEIVED	  	771	  		  		  	771	  		  	
	1701419	  	NOT AS BILLED CHECKS	  	47,663	  		  		  	47,663	  		  	
	1702993	  	NOT AS BILLED POLICY RECORDS	  	433,647	  		  		  	433,647	  		  	
	1942241	  	ONE CHECK PROCESSING	  	21,588	  		  		  	21,588	  		  	
	1946176	  	ONE CHECK PROCESSING POLICY	  	327,733	  		  		  	327,733	  		  	
	1411601	  	OPEN ENVELOPES(2-3 SIDES)	  	7,243	  		  		  	7,243	  		  	
		  	PARTIAL PAY PROC W/COMPLEX SORT	  	4,350	  		  		  	4,350	  		  	
	1924140	  	PARTIAL PAY SINGLE PROCESSING	  	347,299	  		  		  	347,299	  		  	
	1506828	  	PHONE NOTIFICATION	  	7,480	  		  		  	7,480	  		  	
	2007562	  	PHOTO - LBX-CLIENT SERVICES	  	775	  		  		  	775	  		  	
	2008349	  	PHOTO - LBX-PRIORITY	  	57	  		  		  	57	  		  	
	1436785	  	PHOTOCOPY BATCHED	  	1,390	  		  		  	1,390	  		  	
	1437572	  	PHOTOCOPY INVOICE OR PAPERS	  	11,896	  		  		  	11,896	  		  	
	1445442	  	POST CHECK AMOUNT	  	9,368	  		  		  	9,368	  		  	
		  	POST SPECIAL CUSTOMER INFOR.	  	2	  		  		  	2	  		  	
	1467478	  	R.I.D. DETAIL LINES REPORTED	  	63,189	  		  		  	63,189	  		  	
	1480070	  	REMITTER I.D. NOTIFICATION	  	8,147	  		  		  	8,147	  		  	
	2150796	  	RETURN ITEM LOG	  	1,610	  		  		  	1,610	  		  	
	1783267	  	ROLLOVER CHECKS	  	213	  		  		  	213	  		  	
	1782480	  	ROLLOVER POLICIES	  	351	  		  		  	351	  		  	
	1509976	  	SEQUENTIAL NUMBERING ENVELOPES	  	55,810	  		  		  	55,810	  		  	
	1514698	  	SIMPLE SORT	  	1,070,337	  		  		  	1,070,337	  		  	
	2102002	  	SMARTBOX PROCESSING – CHECKS	  	41,876	  		  		  	41,876	  		  	
	1339197	  	SPECIAL NOTIFICATION CALL	  	1,959	  		  		  	1,959	  		  	
	1324244	  	SPECIAL NOTIFICATION CHECK	  	14,493	  		  		  	1 4,493	  		  	
	1520207	  	SPECIAL STAPLING	  	262,628	  		  		  	262,628	  		  	
		  	TP LBX UNBANKABLE EXCEPTION ITEM	  	15,248	  		  		  	15,248	  		  	
	2172045	  	UNBANKABLES	  	71,224	  		  		  	71,224	  		  	
	1557983	  	WALK IN DEPOSITS	  	221,717	  		  		  	221,717	  		  	
		  	WHOLETAIL SORT AND BALANCE	  	162,037	  		  		  	162,037	  		  	
	2019367	  	WITHIN ONE MONTH CHECK	  	58	  		  		  	58	  		  	
	2020154	  	WITHIN ONE MONTH POLICY	  	409	  		  		  	409	  		  	
		  	Grand Total	  		  		  		  		  		  	

  

	*	Amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Execution Copy: October 26, 2007 
 Initials:
Fiserv                  Northern Trust                  
  

 Page 3 of 4 

 Exhibit 14.1B 
 Designated Lockbox Service Fees 
  

															
	 	  	 	  	Totals (Actual May 2006 to April 2007)	  	New Contract Pricing
	 SID
	  	 SID DESCRIPTION
	  	Total Vol.	  	Total Cost*	  	Unit Price*	  	Total Vol.	  	Revised Total Bill*	  	Unit Price*
		  	Other Services -	  		  		  		  		  		  	
		  	 Mail processing
	  		  		  		  		  		  	
		  	 Disaster Recovery Services
	  		  		  		  		  		  	
		  	 Postage
	  		  		  		  		  		  	
		  	 CMMA / Northern Processing
	  		  		  		  		  		  	
		  	 SAS 70
	  		  		  		  		  		  	
		  	 Staff Awards
	  		  		  		  		  		  	
		  	TOTAL OTHER SERVICES	  		  		  		  		  		  	
								
		  	Adjustments	  		  		  		  		  		  	
		  	 Revenue unbilled on Analysis system*
	  		  		  		  		  		  	
		  	 MICR Capture
	  		  		  		  		  		  	
		  	 OCR Keystroke Correction
	  		  		  		  		  		  	
		  	 Checks Imaged
	  		  		  		  		  		  	
		  	 Image Transmission
	  		  		  		  		  		  	
		  	 Coupons Imaged
	  		  		  		  		  		  	
		  	 Credit Float SLA est.
	  		  		  		  		  		  	
		  	 Credit for GE Issue
	  		  		  		  		  		  	
		  	 Year End Celebration
	  		  		  		  		  		  	
		  	Total Adjustments	  		  		  		  		  		  	
								
		  	Total Charges	  		  		  		  		  		  	

															
		
		  	 Note:
 Northern Trust and Fiserv mutually agree to reconcile the Fiserv billing files to the Northern Trust SID level.
 The allocation to the SID level will reconcile to the revised total bill agreed upon in Exhibits 14.1A and 14.1B by December 31, 2007.

  

	*	Amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Execution Copy: October 26, 2007 
 Initials:
Fiserv                  Northern Trust                  
  

 Page 4 of 4 

 Addendum A to Exhibits 14.1A and 14.1B 
 Service Definitions and Fees 
  

					
	Service Name and Description	  	Classification*	 	Hourly Rate*
	 Customization
 Unique to the requirements of Northern Trust or a Northern Trust client that are not supported by the base application, or by configuration choices. Any activity could be
customized if the specific activity is outside of standard activity, including and testing. Examples of this are customized development, new data feeds required, interfaces (new or existing) customized installation, customized testing and customized
business analysis. Northern Trust sign off will be required in the case of all customization prior to work being performed.
	  	 	 	 
	 Technical General Operations –
 Activities that include maintenance activities, firecall activities, network support, and communications support, etc. around supported applications
	  	 	 	 
	 Standard product enhancement –
 Product enhancements that come as standard offerings from the software vendor and deemed appropriate for the business or those developed by Fiserv as part of the standard
offerings. Property management, major infrastructure upgrades are examples of this type of activity.
	  	 	 	 
	 Current Customization
 Customization in place when the original contract (check 1998 contract and remittance 2001 contract) was signed and operations were assumed by Fiserv or those put in
place at the request of Northern Trust to support a special need of the Bank and or a bank client.
	  	 	 	 
	 Removal of Current Customization
 Activities Fiserv engages in at the request of Northern Trust to remove customized for the purpose of limiting the output to the standard provided by the vendor software
(i.e. standard output files for the DMP or IPS platforms). These activities must be mutually agreed to before work is accomplished.
	  	 	 	 
	 Retirement/Refresh of Customized Legacy Applications

 Activities required to retire/refresh customized applications for Northern Trust to insure future supportability. This could include
Moving/Upgrading/Modernizing applications. The current applications that are on this list are Smartbox and TCI. These activities must be mutually agreed to before work is accomplished.
	  	 	 	 

  

	*	Information and amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust                 

  

 Page 1 of 3 

 Addendum A to Exhibits 14.1A and 14.1B 
 Service Definitions and Fees 
  

					
	Service Name and Description	  	Classification*	 	Hourly Rate*
	 Development
 Activities directly related to code development/specialized setting requirements such as sort patterns in IPS. Examples of this are Technical Documentation, writing code,
and unit testing.
	  	 	 	 
	 Installation
 Activities required moving new code into production or new hardware into production. Examples of this are change management, user training, and documentation of new
process/procedures.
	  	 	 	 
	 Testing
 Activities required to validate developed code, interfaces and upgrades. Examples of this would be test script generation, user acceptance testing, test result
documentation.
	  	 	 	 
	 Help Desk
 Activities dedicated to supporting the business units technology questions or problems.
	  	 	 	 
	 On-Going support
 Activities required supporting maintenance of current supported applications.
	  	 	 	 
	 Project Management
 Activities required managing all tasks as outlined in the Fiserv – Northern Trust Quality Gate Deliverables checklist V2.0. Examples would be management
meetings, drafting charter, providing status.
	  	 	 	 
	 Business Analysis
 Activities required understanding and documenting the business requirements needed to implement the project outlined in the Project Request Form/Statement of
Work.
	  	 	 	 
	 Project Request Form (PRF)
 The initial request given to Fiserv by Northern Trust that outlines and defines work requested. This could include a designated service, new service, customized services,
customized product offering or the customization of current product offerings.
	  	 	 	 
	 Statement of Work (SOW)
 A Fiserv produced document that responds to the PRF. It is intended to create understanding and definition of work required. It will include an E0 estimate of the
project.
	  	 	 	 
	 Project Change Control Request (PCCR)
 A document jointly developed that defines any changes to a Service Name and Description Classification Hourly Rate projects scope or requirements that re-defines the work
effort. This document will include a refined estimate of the project.
	  	 	 	 

  

	*	Information and amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust                 

  

 Page 2 of 3 

 Addendum A to Exhibits 14.1A and 14.1B 
 Service Definitions and Fees 
  

					
	Service Name and Description	  	Classification*	 	Hourly Rate*
	 Technology Project Estimate (TPE)
 An estimate for all customized work effort provided by Fiserv to Northern Trust. This estimate may or may not include the ongoing service cost to turn this into a
designated service (May be provided separately). The estimate will be broken down in to the following five (5) basic categories; 1) Project Management, 2) Development, 3) Testing, 4) Installation, and 5) Materials(if circumstances require). The
Estimate will receive three refinements as the project management process proceeds they are as follows:
  
 •        E0 – Initial high level estimate +/- 50%
 •        E1 – Second refined estimate +/- 25%
 •        E2 – Final refined estimate +/- 10%
  
 Northern Trust will have the option on all estimates to choose the following types of
estimate:
 Time and Material Estimate – Northern Trust will be charged for each hour of effort worked and materials needed to complete the
project.
 Fixed Bid Estimate – Northern Trust will be charged the fixed amount of the estimate provided no more no less. Fiserv
activity.
	  	 	 	 
	 Satellite Site
 Minimum activities that the satellite site should have the ability to perform:
 •        Batch Logon
 •        Front-end capture of checks, correspondence
 •        Image Quality Assessment
 •        Key from image, MICR correction and data entry
 •        Capture repair must be done in the satellite site
 •        MICR correction
	  	 	 	 

  

	*	Information and amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust                 

  

 Page 3 of 3 

 Addendum B to Exhibits 14.1A and 14.1B 
 Addendum to Fees 
 Minimum Payments 
 Item Processing, Lockbox Processing (including SmartBox) 
 The
following minimum payments schedule will apply. The actual quarterly per item fees billed by Fiserv and paid by Northern Trust will be annualized and compared against the threshold outlined below. If there is a deficit, Northern Trust will be
charged the difference of the threshold and the actual fees billed. 
  

													
	Year	  	2008*	  	2009*	  	2010*	  	2011*	  	2012*	  	2013*
	 Minimum
Payment
	  	 	  	 	  	 	  	 	  	 	  	 

  

	*	Amounts in these columns have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC. 

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust                 

  

 Page 1 of 1 

 Exhibit 20.1 
 Termination for Convenience 
 Purpose: 
 The column below entitled “Termination Fee” represents the gross Termination Fee at the beginning of each Contract Year. To calculate the actual Termination Fee payable, the amount listed below needs to be
interpolated to the actual Termination Date between the Contract Years Termination listed and then a prevent value calculation to end of Term using the (then) current applicable published Federal Funds rate as the discount rate needs to be done. An
example is detailed below: 
  

			
	 Contract Year
	  	Termination Fee*
	 1
	  	
	 2
	  	
	 3
	  	
	 4
	  	
	 5
	  	
	 6
	  	

 Example 
 Assumptions:* 

	1.	

	2.	

	3.	

 Calculations:* 

	1.	

	2.	

	3.	

	4.	

	5.	

	6.	

  

	*	Information and amounts under these captions have been omitted pursuant to a request for confidential treatment and have been filed separately with the SEC.

 Execution Copy: October 26, 2007 
 Initials: Fiserv                  Northern Trust
                 
  

 Page 1 of 1

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