ACH External Transfer - Consumer ACH Authorization and Agreement

I acknowledge that the External Transfer feature allows me to electronically transfer funds via the automated clearing house ("ACH") between my eligible Northern Bank & Trust accounts and my External Account(s) at other financial institutions, once I have successfully registered my External Account(s). This includes:

Subject to the terms of the External Transfer feature, including the terms of my Online and Mobile Agreement with Northern Bank & Trust, I hereby authorize Northern Bank & Trust to initiate deposits and/or withdrawals to/from my eligible Northern Bank & Trust accounts and each registered External Account indicated previously at the depository institution(s) named above and to deposit and/or withdraw to and from such accounts for (a) various amounts at varying times by making on-demand transfers pursuant to my instructions, and/or (b) for a fixed amount at the frequency I have selected by making recurring transfers pursuant to my instructions. If any transfer date falls on a weekend or holiday, I understand and agree that the transfer may be executed on the next business day.

I hereby represent and warrant that I have all necessary right, power and authority to debit and credit the External Account(s) identified above, and that all information entered above is complete and accurate. I agree that ACH transactions I authorize comply with all applicable law.

Should an incorrect amount be withdrawn from or deposited to my External Account(s) or my Northern Bank & Trust account(s), I authorize Northern Bank & Trust to correct the error by debiting/crediting my External Account(s) or my Northern Bank & Trust account(s).

This authorization is to remain in full force and effect until Northern Bank & Trust has received written notification from me of its termination in such time and in such manner as to afford Northern Bank & Trust a reasonable opportunity to act on it. I will send my notice to: Northern Bank & Trust 275 Mishawum Road Woburn, MA 01801.

Any modifications to my authorization (e.g., addition of certain outside banks) must be made through Online Banking. I acknowledge that the origination of ACH transactions must comply with the provisions of applicable law and the rules of the National Automated Clearing House Association (NACHA). I request the financial institution that holds my External Account to honor all transfers initiated in accordance with this authorization form.

*I agree to print this ACH Authorization and retain a hard copy or electronic copy.


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