OakNorth Bank plc (“OakNorth,” “we,” or “us”) is committed to protecting your privacy. This Cookie Policy explains how we use cookies and similar technologies on our website and online services (collectively, the “Site”). By using the Site, you consent to the use of cookies in accordance with this policy.

1. What Are Cookies?

Cookies are small text files placed on your device by websites you visit. They are widely used to make websites work efficiently and to provide information to the site owners. Cookies allow a website to recognize your device and remember information about your visit, such as your preferences or actions.

2. Types of Cookies We Use

We use the following types of cookies on our Site:

• Strictly Necessary Cookies: These cookies are essential for the operation of our Site. They enable you to navigate the Site and use its features. Without these cookies, services you have requested cannot be provided.
• Performance Cookies: These cookies collect information about how visitors use our Site, such as which pages are visited most often. This data helps us improve the Site’s performance. All information collected by these cookies is aggregated and anonymous.
• Functional Cookies: These cookies allow the Site to remember choices you make (such as your username, language, or region) and provide enhanced, more personalized features. They may also be used to provide services you have requested, like watching a video or commenting on a blog.
• Targeting/Advertising Cookies: These cookies are used to deliver advertisements more relevant to you and your interests. They may also limit the number of times you see an ad and help measure the effectiveness of advertising campaigns. We may share this information with third parties for this purpose.

3. How and Why We Use Cookies

We use cookies to:

• Ensure the Site functions properly.
• Enhance user experience by remembering your preferences and interactions.
• Analyze Site usage to improve performance and content.
• Deliver personalized content and advertisements.

4. Third-Party Cookies

We may allow third-party service providers to place cookies on your device for analytics and advertising purposes. These third parties may collect information about your online activities over time and across different websites. We do not control these cookies and recommend reviewing the privacy policies of these third parties for more information.

5. Your Cookie Choices

You can manage or disable cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our Site. To find out more about cookies, including how to manage and delete cookies, visit www.allaboutcookies.org.

6. Changes to This Policy

We may update this Cookie Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically to stay informed about how we use cookies.

7. Contact Us

If you have any questions about our use of cookies, please contact us at:

OakNorth Bank plc

445 Park Avenue,

Borough of Manhattan,

City of New York

Email: DPO@oaknorth.co.uk

For more information about how we process personal data, please review our privacy notice at Privacy notice – US – OakNorth Bank.

Last updated: 3^rd September, 2025