Northwest Bancshares, Inc.

Despite the defensive measures we take designed to manage our internal technological and operational infrastructure, threats may originate externally from foreign governments, state-sponsored actors, organized crime, terrorists, hackers, and other third parties or internally from within our organization, including our personnel or third-party providers (including infrastructure-support providers and application developers). Furthermore, we may not be able to ensure that all of our clients, suppliers and other third-party providers, counterparties and other third parties have appropriate controls in place to protect the confidentiality of the information that they exchange with us, particularly where such information is transmitted by electronic means. Our heavy reliance on information technology systems exposes us to operational risks, which include the risk of malfeasance by personnel or persons outside of our organization, denial of service attacks, computer viruses, worms, ransomware, social engineering (including phishing attacks), service outages, software bugs or defects, server failures, errors relating to transaction processing and technology, failures to properly implement systems upgrades, breaches of our internal control systems and compliance requirements, business continuation and disaster recovery issues and other system failures, interruptions, or cybersecurity breaches. Such risks have significantly increased in recent years in part because of the proliferation of new technologies, including artificial intelligence, and the use of the internet and telecommunications technologies to conduct financial transactions.

Despite the defensive measures we take designed to manage our internal technological and operational infrastructure, threats may originate externally from foreign governments, state-sponsored actors, organized crime, terrorists, hackers, and other third parties or internally from within our organization, including our personnel or third-party providers (including infrastructure-support providers and application developers). Furthermore, we may not be able to ensure that all of our clients, suppliers and other third-party providers, counterparties and other third parties have appropriate controls in place to protect the confidentiality of the information that they exchange with us, particularly where such information is transmitted by electronic means. Our heavy reliance on information technology systems exposes us to operational risks, which include the risk of malfeasance by personnel or persons outside of our organization, denial of service attacks, computer viruses, worms, ransomware, social engineering (including phishing attacks), service outages, software bugs or defects, server failures, errors relating to transaction processing and technology, failures to properly implement systems upgrades, breaches of our internal control systems and compliance requirements, business continuation and disaster recovery issues and other system failures, interruptions, or cybersecurity breaches. Such risks have significantly increased in recent years in part because of the proliferation of new technologies, including artificial intelligence, and the use of the internet and telecommunications technologies to conduct financial transactions.

13 RETAIL/DIGITAL • We’ve been digitally transforming our bank, launching new technology (features and functionality) to improve both customer experience and our ability to grow, including: • New online and mobile banking experience with improved capabilities (Zelle, Alerts, Credit Score, CardHub, consumer wires, business bill pay enhancement). • New deposit and loan account opening experience. • New website – northwest.com, improved shopping and buying experience. • New marketing optimization and personalization engine – allows us to harness the power of our customer data, artificial intelligence and machine learning to hyper-target existing customers with specific consumer offers to improve wallet share and cross-sell of our offerings. • State-of-the-art digital platform is driving new business and cross-sell opportunities (digital account acquisition) in an easier, secure, and more cost-effective way. • We are expanding our footprint (markets) and testing ways to grow new customer relationships through a fully digital shopping and buying experience. Our objective is to grow new deposits and households where we currently don’t have a retail (branch) presence. This program could be expanded into other states contiguous with our current four-state footprint. STRATEGIC FOCUS

13 RETAIL/DIGITAL • We’ve been digitally transforming our bank, launching new technology (features and functionality) to improve both customer experience and our ability to grow, including: • New online and mobile banking experience with improved capabilities (Zelle, Alerts, Credit Score, CardValet, consumer wires, business bill pay enhancement). • New deposit and loan account opening experience. • New website – northwest.com, improved shopping and buying experience. • New marketing optimization and personalization engine – allows us to harness the power of our customer data, artificial intelligence and machine learning to hyper- target existing customers with specific consumer offers to improve wallet share and cross-sell of our offerings. • State-of-the-art digital platform is driving new business and cross-sell opportunities (digital account acquisition) in an easier, secure, and more cost-effective way. • We are expanding our footprint (markets) and testing ways to grow new customer relationships through a fully digital shopping and buying experience. Our objective is to grow new deposits and households where we currently don’t have a retail (branch) presence. This program could be expanded into other states contiguous with our current four-state footprint. STRATEGIC FOCUS