Northern Trust has established procedures to provide consumer protections, meet regulatory requirements and manage the servicing of your accounts.

If you need assistance or information related to a specific process or transaction, please refer to the detailed information available for each topic.

Consumer Notice Regarding SAFE Act Registrations

Upon request you may obtain a listing of the unique SAFE Act identifiers of the Bank's Mortgage Loan Originators by writing to us at:

Cliff Snellen
SAFE Act Compliance Officer
50 South LaSalle St., MB-8
Chicago, IL 60603

Include your name and mailing address.
Please allow 7-10 business days to allow for mailing times.
NMLS # 447407

What to do if you think we are furnishing inaccurate information about your account to the consumer reporting agencies

If you believe that we are furnishing inaccurate information about your account to the consumer reporting agencies, please write us at The Northern Trust Company, P.O. Box 92992, Chicago, IL 60675.

In your letter give us the following information:
Your Name and Account Number, and describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.

What to do if you think you find a mistake on your statement

If you think there is an error on your statement, call or write us at:

The Northern Trust Company
P.O. Box 92992
Chicago, IL 60675
888-289-6542
In your letter, give us the following information:

• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true:

• We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.

Submitting Error Resolution or Requests for Information

If you believe there has been an error related to the servicing of your mortgage loan or you are requesting information regarding your mortgage loan, please write to us at:

The Northern Trust Company
P.O. Box 92992
Chicago, IL 60675

Resources for borrowers who have a residential mortgage with Northern Trust

If you are having trouble making your residential mortgage or home equity credit line payments, call Peter Klett or Mary Ann Carrigan at 1-800-388-5316. The sooner you call us, the more options we may have to assist you.

If you have missed one or more payments or you believe you may soon miss a payment due to extenuating circumstances, you may be eligible for a loan modification that will help to make your payments more affordable, and help you avoid foreclosure. To assist us with determining how best to help you, please call us today and have the following documents available when you call:

• HUD-1 Settlement Statement for your current mortgage loan
• Most recent W-2
• A recent pay statement from your current employer
• Documents for your monthly expenses
  • Utilities (heating, telephone, gas/electric)
  • Other debt (credit cards, personal loans, car payments, other mortgages)
  • Medical expenses
  • Insurance

Resources for borrowers who have a residential first mortgage with another financial institution
If you are not a Northern Trust client and you are having trouble making your mortgage payments, please call your mortgage lender at your earliest opportunity so that they can determine how best to help you.

Here are some additional resources for assistance and support
You may be eligible for a loan modification or refinance program under the government's Making Home Affordable program. For more details, go to www.makinghomeaffordable.gov, or call 1-888-995-HOPE.

Housing Counselor Information: If you would like counseling or assistance, the Federal government provides contact information for housing counselors, which you can access by contacting the Consumer Financial Protection Bureau at www.consumerfinance.gov/mortgagehelp/ or the U.S. Department of Housing and Urban Development (HUD) at www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm or call 800-569-4287.

What to do in case of errors or questions about your electronic transfers such as ATM or Debit card transactions, automated clearing house transactions or wire transfers

In case of errors or questions about your Electronic transfers, call or write us at the telephone number of address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. For remittance transfer errors the sender has 180 days to report errors in regards to a particular transfer.

The Northern Trust Company
Client Services
50 S. La Salle St., C5S
Chicago, IL 60603
888-289-6542

• Tell us your name and account number.
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.
• If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

What to do if you believe that you may have suffered a loss relating to a substitute check

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account. The losses you may attempt to recover under the procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal.
If you believe that you may have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at:

The Northern Trust Company
Client Services
50 S. La Salle St., C5S
Chicago, IL 60603
Or call 888-289-6542

You must contact us within 60 days of the date that we mailed the substitute check in question or the account statement showing that substitute check was posted to your account, whichever is later. The claim must include:

• A description of why you have suffered a loss;
• An estimate of the amount of your loss;
• An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
• A copy of the substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, and the name of the person to whom you wrote the check.