We recognize the importance of protecting the privacy of personally-identifying information that may be submitted to us when you visit our website.

The information we receive depends on what you do when you visit our site. This is how we handle the information we learn about you from your visit to our website.

If you visit our site to read or download information on our web pages such as press releases and checking and savings account information:

We collect and store only the following information about you: name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or a similar domain corresponding to your Internet Service Provider "ISP"); date and time you access our website; pages you may have visited on our site; and Internet address of the website from where you came to visit our website.

We use the information we collect to measure the number of visitors to the different pages and sections of our site, and to help us make our site more useful to visitors.

If you visit our website to use interactive banking tools such as financial calculators and self-tests:

You may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.

If you identify yourself by sending an e-mail or filling forms such as applications, check reorder forms, contact forms and guest registers; or if you conduct transactions via our online banking service:

You may be asked for personally-identifying information in order to process your e-mail, form, application, or transaction.

To offer you the financial products and services you seek, we collect, maintain and use information about you on a routine basis. The following describes our practices and policies with respect to the privacy of customer information. In the event that your customer relationship with us comes to an end, or you become an inactive customer, we will continue to adhere to these policies and practices.

Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others;
• Information we receive from a consumer-reporting agency.

Information We Share

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. Any nonpublic personal information shared is conducted in strict adherence to applicable law. We may exchange such information with our affiliates and certain nonaffiliated third parties (under limited circumstances) to the extent permissible under law to service your account, offer you products or services we believe you may find valuable, report to credit bureaus, manage risk, and other financial services related activities.

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We do not intend to sell customer lists to others so that they can market products directly to you.

How We Protect Your Information

We understand that the protection of your nonpublic personal information is of utmost importance. Northern Bank & Trust Company maintains strict procedures and policies to safeguard your privacy. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you, and we educate our employees about the importance of confidentiality and customer privacy.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic information.

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies promptly.

Northern Bank & Trust Company recognizes and respects the privacy expectations of our customers. We want you to understand our commitment to privacy in our use of customer information. Customers who have questions about this privacy statement or have a question about privacy of their customer information may contact us at (800) 273-6908.

Sometimes we send our customers information about our products and services. If you do not wish to receive this information, or if you believe that your personal information is incorrect please contact us. We will investigate the situation and if appropriate update our records.

If you have any questions that are not answered in this section please contact us.