For Business angle-down icon For Life angle-down icon Success Stories Terms and Conditions of Use Welcome to our website (the “Website” or the “Site”), which is designed for your use and to provide you with information on Northern Bank & Trust Company’s products and services. By using the Site, you agree to comply with and be bound by the following terms and conditions of use (“Terms and Conditions”). Please review these Terms and Conditions carefully. If you do not agree to these Terms and Conditions, you should not use the Site. These Terms and Conditions may be modified at any time by Northern Bank & Trust Company (“Northern Bank”) upon posting of the modified Terms and Conditions. Any modifications will be effective immediately. Each use by you shall constitute and be deemed your unconditional acceptance of these Terms and Conditions. Privacy Your visit to our site is also governed by our Privacy Policy. Please review our Privacy Policy at https://nbtc.com/security-and-privacy/. Use of Information Northern Bank grants you a limited, revocable, nonexclusive license to use the Site solely for your own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use. You agree not to copy materials on the site, reverse engineer or break into the site, or use materials, products or services in violation of any law. The information on the Site is not intended to provide you with legal, tax or financial advice. You should contact your legal, tax or financial counsel for any such advice. You agree to comply with all applicable laws regarding your use of the Site. If you use Northern Bank’s Website or systems to access data related to any account(s) that you are not authorized to access, as reflected in Northern Bank’s systems, you will indemnify, defend, and hold harmless Northern Bank and all of its affiliates, officers, directors, employees, agents, successors, and assigns from any and all losses, liabilities, damages, and all related costs and expenses, arising from, relating to, or resulting (directly or indirectly) from such access. Further, without limiting Northern Bank’s rights or your obligations under any other provision of these Terms and Conditions, if any actual or reasonably suspected unauthorized access to a customer’s personal information under your control or arising from your past exercise of control, direct damages will include the cost and expenses of investigation and analysis (including by law firms and forensic firms), correction or restoration of any destroyed, lost or altered data, notification to affected customers, offering and providing of credit monitoring, customers service, or other remediation services, and all related costs and expenses. Northern Bank’s rights to indemnity under this section are in addition to all other rights and remedies available at law or in equity. Any exercise by Northern Bank of its rights to indemnification will be without prejudice to any other rights and remedies. You manifest your assent to this indemnity by accessing account data through Northern Bank’s Website or systems, notwithstanding the terms of any agreement you have with a customer or an account owner stating otherwise. This indemnity includes but is not limited to losses associated with (1) a data breach of your system(s) and (2) a data breach of the system(s) of any person or entity with whom you provided or shared Northern Bank customer account data. You agree not to attempt to log onto the Site from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be obtained on the U.S. Department of the Treasury website. Any attempt to log onto the Site from one of these countries may result in your access being restricted or terminated. Copyright and Trademarks All content included on the Site is and will continue to be the property of Northern Bank or its content suppliers and is protected under applicable copyright, patent, trademark, and other proprietary rights. Northern Bank reserves all of its rights. Any copying, redistribution, use or publication by you of any such content or any part of the site is prohibited, except as expressly permitted in these Terms and Conditions or authorized by Northern Bank & Trust Company in writing. Under no circumstances will you acquire any ownership rights or other interest in any content by or through your use of the Site. Disclaimer of Warranties THE INFORMATION CONTAINED OR ACCESSED ON THE SITE, AND REFERENCES TO OR DESCRIPTIONS OF THIRD PARTIES, INCLUDING THEIR SERVICES AND PRODUCTS, ARE PROVIDED "AS IS" AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ERROR-FREE OR UNINTERRUPTED SERVICE. DESCRIPTIONS OF, OR REFERENCES TO, PRODUCTS, SERVICES OR PUBLICATIONS WITHIN NORTHERN BANK'S WEB SITE DO NOT IMPLY ENDORSEMENT OF THAT PRODUCT, SERVICE OR PUBLICATION. YOU AGREE THAT USE OF THE SITE IS AT YOUR SOLE RISK. The information and materials on the Site may include technical inaccuracies or typographical errors. Although Northern Bank routinely provides timely and accurate information which is believed to be reliable, it does not warrant that the content of the Site is accurate, complete or timely. Changes may be periodically made to the information on the Site. Limitation of Liability UNDER NO CIRCUMSTANCES WILL NORTHERN BANK (ITS AFFILIATES AND ANY OF ITS OR THEIR TRUSTEES, DIRECTORS, OFFICERS OR EMPLOYEES) BE LIABLE OR RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING DAMAGES FROM LOSS OF BUSINESS, LOST PROFITS, LITIGATION, OR THE LIKE), SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN ANY WAY RELATING TO THE SITE, YOUR SITE USE, OR THE CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR CONTENT IS TO CEASE ALL OF YOUR SITE USE. Disclosures Product offers, their rates, yields, terms and other information provided in this web site are subject to change without notice. Northern Bank cannot guarantee the completeness, timeliness, or accuracy of the information on the Site. Our calculators are meant to present estimates, based upon information that you have provided. The results, including their accuracy, are in no way guaranteed by Northern Bank. To learn more about our lending products, please contact our loan department directly. Information on the Site regarding any product or service offering does not constitute a commitment to provide that product or service. Should you open an account at Northern Bank, all disclosure information will be provided to you. You may also receive this information upon request. Links to Other Sites Links to non-Northern Bank websites are provided solely as pointers to information on topics that may be useful, and Northern Bank has no control over the content on those websites. If you choose to link to a website not controlled by Northern Bank, Northern Bank makes no warranties, either express or implied, concerning the content of that site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Northern Bank warrant that that site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Northern Bank does not guarantee the authenticity of documents on the Internet. Links to non-Northern Bank sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. Governing Law You agree that the laws of the Commonwealth of Massachusetts, without regard to conflicts of laws provisions, will govern these Terms and Conditions and your use of the site and any related disputes. Any action to enforce these Terms and Conditions shall be brought in and you agree to submit to the exclusive jurisdiction of the state or federal courts located in the Commonwealth of Massachusetts. General Terms If any provision of these Terms and Conditions is deemed to be unenforceable or invalid, the validity and enforceability of the remaining provisions shall not be affected. Northern Bank & Trust Company’s failure to exercise or enforce any right or provision of these Terms and Conditions shall not operate as a waiver of such right or provision. HELP BANKING ABOUT USEFUL LINKS Legal Disclosures Privacy Policy NMLS ID: 472275 Equal Housing Lender Member FDIC © 2021 Northern Bank & Trust Company.