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EBSB.com

Agreements and Disclosures (as of August 2021)

Table of Contents

Consumer Account Agreements and Disclosures

OAC New Account Acknowledgment PG.2 Deposit Account Agreement PG.3

Truth in Savings Disclosures

Simple Free Checking PG.9 Interest Checking PG.10 Premier Checking PG.11 Money Market Special 3 PG.13 Statement Savings PG.14 Certificate of Deposit PG.15

Funds Availability Policy and Disclosure PG.17 Substitute Checks and Your Rights PG.19 Electronic Funds Transfer Policy PG.20 Overdraft Service Consent Form PG.27 Courtesy Overdraft Payment Program Disclosure PG.29 ATM/Debit Card Application PG.31 Privacy Disclosure PG.33 Personal Service Fee Schedule PG.39

1 NEW ACCOUNT ACKNOWLEDGEMENT

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

ACKNOWLEDGEMENT:

All account holders authorize this institution to make inquiries from any consumer-reporting agency, including a check protection service, in connection with this account.

ACCOUNT OPENING:

All accounts approved through the automated account opening process are subject to final review and approval by the bank.

Accounts will be considered open once we have received and approved all required account opening documentation and the account has been funded

If the bank does not approve your account, the account will be closed and you will be mailed an Adverse Action form.

CD ACCOUNTS

Customers who open CD accounts through OAC will receive their CD Certificate in the mail.

External Transfers

Accounts are considered new for a period of thirty (30) days; during this time period those funds transferred from an external account to your account at East Savings Bank will not be available for withdrawal for nine (9) business days.

After the thirty (30) day new account time period those funds transferred from an external account to your account at East Boston Savings Bank will not be available for withdrawal for three (3) business days.

External Transfers to CDs: Only the initial transfer to fund the CD is permitted.

Your account is not considered opened until you verify your external account. The thirty (30) day new account period begins from this date, not the date you applied online for the account.

Wire Transfers

Outgoing Wire transfers are not permitted through Consumer Online Banking, via postal mail, over the phone, or through email. You must visit an EBSB branch in person to initiate a wire transfer.

Rev Feb 2020

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9 TRUTH IN SAVINGS Interest Checking

10 Meridian Street, East Boston, MA 02128 1-800-657-3272 / www.ebsb.com

ELIGIBILITY REQUIREMENTS. Under federal regulations only certain types of customers are eligible to open and maintain an interest bearing checking account a/k/a negotiable order of withdrawal (NOW) account. These NOW type of accounts are restricted to individuals , including sole proprietors, setting up D/B/A accounts; non-profit charitable, educational, religious, philanthropic, political or similar organizations; government units; pension funds; escrow accounts; security deposits; and funds held by a fiduciary. RATE INFORMATION. The interest rate listed in each tier will be paid on the entire balance in your account.

Tier Daily Balance Range Interest Rate Annual Percentage Yield (APY)

1 Below $10.00 0.00% 0.00% 0.05% 2 Equal to or greater than $10.00 0.05%

Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account. COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest. MINIMUM BALANCE REQUIREMENTS. You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $10.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. PROCESSING ORDER. All credit transactions are processed first *. Debits, or withdrawals, will generally be processed as follows: on -line bill payments, checks presented in-person at a branch, Non-EBSB ATM transactions, point-of-sale transactions, EBSB ATM transactions, ACH transactions, withdrawals presented at the branch in person, authorized withdrawal transfers, electronic checks and checks. Items (checks) presented with a serial number are processed in serial number order. Items (checks) presented without a serial number are processed in ascending (lowest to highest) amount order. Items (checks) without a serial number are processed first, then items with a serial number in serial number order. Th e processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed i n accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

Please note that On-line Banking, ATM, Preauthorized and Check type of transactions may not be applicable to your account.

* Please refer to our Funds Availability Policy Disclosure regarding crediting of deposits.

BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue on the business day you deposit noncash items (for example, checks). TRANSACTION LIMITATIONS. No transaction limitations apply to this account. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. A direct deposit or recurring ACH debit has to be maintained to qualify for the interest payment account feature. If a direct deposit or recurring ACH debit are not maintained, the Bank may convert your account to our Simply Free Checking product.

This account offers eStatements.

FEES AND CHARGES. The following fees and charges may be assessed against your account: There is no monthly maintenance charge on this account. Please refer to the separate Personal Service Fee Schedule provided with this disclosure for information about other fees and charges. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Check printing fees vary by style of check ordered. No ATM transaction fees at EBSB ATM's.

© 2007-2020 Compliance Systems, LLC 99df901a-8c38d0b1 - 2020.340.0.7 Truth In Savings - DD8106 Page 1 of 1 www.compliancesystems.com

10 TRUTH IN SAVINGS Premier Checking

10 Meridian Street, East Boston, MA 02128 1-800-657-3272 / www.ebsb.com

ELIGIBILITY REQUIREMENTS. Under federal regulations, only certain types of customers are eligible to open and maintain a Premier Checking Account a/k/a negotiable order of withdrawal (NOW) account. These NOW type of accounts are restricted to individuals, including sole proprietors setting up D/B/A accounts; non-profit charitable, educational, religious, philanthropic, political or similar organizations; government units; pension funds; escrow accounts; security deposits; and funds held by a fiduciary. RATE INFORMATION. The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.

Depending on the balance in your account the Annual Percentage Tier Daily Balance Range Interest Rate Yield (APY) will: 1 Below $25,000.01 0.10 % equal 0.10 % 2 Equal to or greater than $25,000.01 0.05 % range from 0.10 % to 0.05 %

Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account. Additional Rate Information. The interest rate for Tier 1 will be paid only for that portion of your daily balance that is less than $25,000.01. The interest rate for Tier 2 will be paid only for that portion of your daily balance that is equal to or greater than $25.000.01

For example: If you are depositing $30,000. You will receive interest based on the Tier 1 rate for the first $25,000. You will then receive interest at the Tier 2 rate for the remaining $5,000. COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest up to the day of closing. MINIMUM BALANCE REQUIREMENTS. You must deposit $50.00 to open this account. If you maintain a $25,000.00 minimum daily balance between checking, certificate of deposit, money market, IRA, savings/statement savings, home equity line of credit (outstanding balance), mortgage** and car loan during the statement cycle, you will avoid the $25.00 monthly maintenance fee. PROCESSING ORDER. All credit transactions are processed first *. Debits, or withdrawals, will generally be processed as follows: on-line bill payments, checks presented in-person at a branch, Non-EBSB ATM transactions, point-of-sale transactions, EBSB ATM transactions, ACH transactions, withdrawals presented at the branch in person, authorized withdrawal transfers, electronic checks and checks. Items (checks) presented with a serial number are processed in serial number order. Items (checks) presented without a serial number are processed in ascending (lowest to highest) amount order. Items (checks) without a serial number are processed first, then items with a serial number in serial number order. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

Please note that On-line Banking, ATM, Preauthorized and Check type of transactions may not be applicable to your account.

* Please refer to our Funds Availability Policy Disclosure regarding crediting of deposits.

BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue on the business day you deposit noncash items (for example, checks). TRANSACTION LIMITATIONS. No transaction limitations apply to this account. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. ** Under Minimum Balance Requirements section, mortgage does not include those that are service released/sold.

This account offers eStatements.

© 2007-2020 Compliance Systems, LLC 99df901a-29d6853b - 2020.340.0.7 Truth In Savings - DD8106 Page 1 of 2 www.compliancesystems.com

11 FEES AND CHARGES. The following fees and charges may be assessed against your account: Monthly maintenance fee $25.00 Please refer to the separate Personal Service Fee Schedule provided with this disclosure for information about other fees and charges. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Check printing fees vary by style of check ordered. Free access to any ATM with no transaction or surcharge fees. We will reimburse surcharge fees up to $50 per statement cycle.

© 2007-2020 Compliance Systems, LLC 99df901a-29d6853b - 2020.340.0.7 Truth In Savings - DD8106 Page 2 of 2 www.compliancesystems.com

12 TRUTH IN SAVINGS Money Market Special 3 Account

10 Meridian Street, East Boston, MA 02128 1-800-657-3272 / www.ebsb.com

RATE INFORMATION. The interest rate listed in each tier will be paid on the entire balance in your account.

Tier Daily Balance Range Interest Rate Annual Percentage Yield (APY) 1 Below $10.00 0.00 % 0.00 % 2 Equal to or greater than $10.00 but less than $10,000.00 0.05 % 0.05 % 3 Equal to or greater than $10,000.00 but less than $2,000,000.00 0.10 % 0.10 % 4 Equal to or greater than $2,000,000.00 0.10 % 0.10 %

Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account. COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest. MINIMUM BALANCE REQUIREMENTS. You must deposit $2,500.00 to open this account. If you maintain a $2,500.00 minimum daily balance during the statement cycle, the $8.00 monthly maintenance fee will not be a ssessed. You must maintain a minimum daily balance of $10.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. PROCESSING ORDER. All credit transactions are processed first *. Debits, or withdrawals, will generally be processed as follows: on-line bill payments, checks presented in-person at a branch, Non-EBSB ATM transactions, point-of-sale transactions, EBSB ATM transactions, ACH transactions, withdrawals presented at the branch in person, authorized withdrawal transfers, electronic checks and checks. Items (checks) presented wi th a serial number are processed in serial number order. Items (checks) presented without a serial number are processed in ascendin g (lowest to highest) amount order. Items (checks) without a serial number are processed first, then items with a serial number in serial number order. Th e processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non -sufficient funds fees or an increase in the amount of these fees. Please note that On-line Banking, ATM, Preauthorized and Check type of transactions may not be applicable to your account. * Please refer to our Funds Availability Policy Disclosure regarding crediting of deposits. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

TRANSACTION LIMITATIONS. This Money Market account may be restricted to no more than six combined pre-authorized, automatic, telephone, or on-line banking transfers to another account or to a third party, or checks made payable to a third party per statement cycle. Transfers or withdrawals by debit card or similar order payable to third parties are included in the limit of six pre-authorized transfers. If the transaction limit is exceeded during a statement cycle, we may assess a fee for each transfer in excess of this limit and convert your account to a transaction account. There are no transaction limits on the number of transfers or withdrawals made in person at any of our branch locations or at an ATM. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. This Special offer is available for the Money Market Special 3 Account with the following conditions and limitations: New accounts opened with new funds, not previously on deposit with East Boston Savings Bank. Deposits to existing Money Market Special 3 Account with a minimum of $10,000 new funds, not previously on deposit at East Boston Savings Bank.

FEES AND CHARGES. The following fees and charges may be assessed against your account: Monthly maintenance fee $8.00 Fee for each transfer in excess of six during statement cycle $15.00

Check printing fees vary by style of check ordered.

Please refer to the separate Personal Service Fee Schedule provided with this disclosure for information about other fees and charges. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

© 2007-2020 Compliance Systems, LLC 99df901a-0b771d82 - 2020.340.0.7 Truth In Savings • DD8106 Page I of I www.compliancesystems.com

13 TRUTH IN SAVINGS Statement Savings Account

10 Meridian Street, East Boston, MA 02128 1-800-657-3272 / www.ebsb.com

RATE INFORMATION. The interest rate listed in each tier will be paid on the entire balance in your account.

Tier Daily Balance Range Interest Rate Annual Percentage Yield (APY) 1 Below $25.00 0.00 % 0.00 % 2 Equal to or greater than $25.00 0.05 % 0.05 %

Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account. COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest. MINIMUM BALANCE REQUIREMENTS. You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. PROCESSING ORDER. All credit transactions are processed first *. Debits, or withdrawals, will generally be processed as follows: on-line bill payments, checks presented in-person at a branch, Non-EBSB ATM transactions, point-of-sale transactions, EBSB ATM transactions, ACH transactions, withdrawals presented at the branch in person, authorized withdrawal transfers, electronic checks and checks. Items (checks) presented with a serial number are processed in serial number order. Items (checks) presented without a serial number are processed in ascending (lowest to highest) amount order. Items (checks) without a serial number are processed first, then items with a serial number in serial number order. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

Please note that On-line Banking, ATM, Preauthorized and Check type of transactions may not be applicable to your account.

* Please refer to our Funds Availability Policy Disclosure regarding crediting of deposits. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

TRANSACTION LIMITATIONS. This Statement Savings account may be restricted to no more than six combined pre-authorized, automatic, telephone, or on-line banking transfers to another account or to a third party per statement cycle. If the transaction limit is exceeded during a statement cycle, we may assess a fee for each transfer in excess of this limit and convert your account to a transaction account. There are no transaction limits on the number of transfers or withdrawals made in person at any of our branch locations or at an ATM.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. Not applicable.

FEES AND CHARGES. The following fees and charges may be assessed against your account: Fee for each transfer in excess of six during statement cycle $15.00

Please refer to the separate Personal Service Fee Schedule provided with this disclosure for information about other fees and charges. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

© 2007-2020 Compliance Systems, LLC 99df901a-679a47a8.- 2020.340.0.7 Truth In Savings - DD8106 Page 1 of 1 www.compliancesystems.com

14 be compounded monthly credited to your account monthly

15 East Boston Savings Bank (EBSB) 10 Meridian Street, East Boston, MA 02128 800-657-3272

Truth-in-Savings Disclosure Certificate of Deposit / IRA Certificate of Deposit

TIME DEPOSIT RENEWAL NOTICE Please see the separate Maturity Notice for information on the current maturity date, grace period, and renewal maturity date for this account. The interest rate(s) and annual percentage yield(s) for the renewal account have not yet been determined. They will be available on the date disclosed on the Maturity Notice. Please call 800-657-3272 or visit ebsb.com to learn the interest rate(s) and annual percentage yield(s) for your renewal account.

THE INFORMATION CONTAINED BELOW RELATES TO THE RENEWAL ACCOUNT.

RATE INFORMATION If this account is a fixed rate account, then the disclosed rate and annual percentage yield will be paid until next maturity. If this account is a variable rate account, then the disclosed rate and annual percentage yield may change. The interest rate may change at the banks' discretion at any time. There are no maximum or minimum interest rate limit changes for a variable rate account.

Additional Rate Information (Bump-up Certificates only): you will only be allowed one bump-up opportunity during the term of your account. When you bump-up your rate, the new rate will be set to the current interest rate in effect for the 24 month Certificate of Deposit. To exercise this option, you must present your Certificate in person at any branch office or by mail with a written request. ·

COMPOUNDING AND CREDITING Interest will be compounded monthly and credited to your account monthly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If you close your account before interest is credited, you will receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS The following minimum balance requirements apply: if your account balance falls below the minimum daily balance requirement, your account may be closed.

Certificate Term Minimum Balance to open and obtain APY Fixed 6 month $2,500 Fixed 9 to 60 month (includes 25 & 30 month bump-up) $1,000 IRA Certificate Term Minimum Balance to open and obtain APY Fixed 6 to 60 month (includes 25 & 30 month bump-up) $500

BALANCE COMPUTATION METHOD We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS Interest begins to accrue on the business day you deposit noncash items (for example, checks).

FEES and CHARGES If this account is an IRA Certificate of Deposit, then an IRA Annual Fee of $15.00 will be assessed against your account. There are also charges for IRA Trustee Transfer Fee (funds leaving the bank) of $25.00 and IRA Premature Withdrawal Fee (under age 59 ½) of $25.00, plus an early withdrawal penalty.

TRANSACTION LIMITATIONS On a Variable IRA Certificate of Deposit, you may make minimum deposits of $10.00 at any time. On all other types of Certificate of Deposits, you may not make deposits into your account until the maturity date. You may withdraw interest credited at any time within the term before maturity date without having to pay a penalty.

INDIVIDUAL RETIREMENT ACCOUNT (IRA) If this account is an IRA Certificate of Deposit, then you may be subject to limitations and/or penalties imposed by the Internal Revenue Service. Please refer to your IRA Agreement or your tax advisor for additional information.

MATURITY DATE Please see the enclosed Maturity Notice for the maturity date.

EARLY WITHDRAWAL PROVISIONS A penalty will be imposed if you withdraw any of the principal before the maturity date as follows: 6 to 12 month term the penalty will equal 3 months interest on the amount withdrawn; terms over 12 months to 36 months the penalty will equal 6 months of interest on the amount withdrawn; terms over 36 months the penalty will equal12 months of interest on the amount withdrawn. All IRA Certificate terms are subject to a Premature Withdrawal Fee of $25 and an early withdrawal penalty for the applicable term as stated above. If you are at least 59 ½ years of age, your term is 24 months or less, and you only make a partial withdrawal, you will not be assessed an early withdrawal penalty. The interest rate we will use to calculate the penalty will be the interest rate in effect at the time of withdrawal. **An early withdrawal penalty will be assessed for all outgoing transfers prior to maturity regardless of age.

RENEWAL POLICIES and TERMS This account will automatically renew at maturity. You will have a grace period of 10 calendar days after the maturity date of the account to withdraw the funds without being charged an early withdrawal penalty. The renewal term will be the same as the original term beginning on the maturity date, except as follows: 3 month term will renew as 6 month term; 13 month term will renew as 12 month term; 14, 16 and 19 month term will renew as 18 month term; and 20 month term will renew as 24 month term. Also, a 20 month “Rate Lock" term will renew as an 18 month term.

TIS CD Renewal Notice Disclosure 3/16/18

16 FUNDS AVAILABILITY POLICY DISCLOSURE Effective July 1, 2020

10 Meridian Street, East Boston, MA 02128 1-800-657-3272 / www.ebsb.com CONSUMER ACCOUNTS

PURPOSE OF THIS DISCLOSURE. The information here describes our policy of holding deposited items in an account before funds are made available to you for withdrawal. This is our Funds Availability Policy. In summary, our policy is to make your funds available on the second Business Day after the day of deposit. Please refer to the section DETERMINING THE AVAILABILITY OF YOUR DEPOSIT for the complete policy. For purposes of this disclosure, the terms "you"/"your" refer to the customer and the terms "our"/"we"/"us" refer to East Boston Savings Bank. The term "account" includes any demand deposit, negotiable withdrawal order account, savings deposit or other asset account. DETERMINING THE AVAILABILITY OF YOUR DEPOSIT. The length of the delay varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term "Business Day" means any day other than a Saturday, Sunday or federally declared legal holiday, and the term "Banking Day" means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions. If you make a deposit before the close of business on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day that we are not open, we will consider the deposit made on the next Business Day we are open. AVAILABILITY SCHEDULE Same Day Availability. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. In addition, funds from deposits of: • cash (if made in person to an employee of East Boston Savings Bank') • wire transfers • U.S. Treasury checks (if payable to you and deposited into your account) • U.S. Postal Service money orders (if payable to you and deposited into your account, and the deposit is made in person to an employee of East Boston Savings Bank') • Federal Reserve Bank or Federal Home Loan Bank checks (if payable to you and deposited into your account, and the deposit is made in person to an employee of East Boston Savings Bank') • State or Local Government checks (if payable to you and deposited into your account, and the deposit is made in person to an employee of East Boston Savings Bank') • Cashier's, Certified, or Teller's checks (if payable to you and deposited into your account, and the deposit is made in person to an employee of East Boston Savings Bank') • checks drawn on us will also be available on the day of deposit. *If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available no later than the second Business Day after the day of your deposit. Other Check Deposits. Funds from all other check deposits will be available on the second Business Day after the day of your deposit. The first $300.00 of your deposits, however, will be available on the first Business Day after the day of deposit. LONGER DELAYS MAY APPLY. Funds you deposit by check may be delayed for a longer period under the following circumstances: (a) if we believe a check you deposit will not be paid; (b) if you deposit checks totaling more than $5,525 on any one day; (c) if you redeposit a check that has been returned unpaid; (d) if you have overdrawn your account repeatedly in the last six months; or (e) if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the Fifth Business Day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. HOLDS ON OTHER FUNDS FOR CHECK CASHING. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. HOLDS ON OTHER FUNDS IN ANOTHER ACCOUNT. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

© 2007-2017 Compliance Systems, Inc d9865c17-bbb834b3 - 2017 54.0.2 Funds Availability Policy Disclosure - DD8107 Page 1 of 2 www.compliancesystems.com

17 SPECIAL RULES FOR NEW ACCOUNTS. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Same Day Availability. Funds from electronic direct deposits, cash (if made in person to an employee of East Boston Savings Bank*) and wire transfers made to your account will be available on the day we receive the deposit. In addition, the first $5,525 of a day's total deposits of . U.S. Treasury checks (if payable to you and deposited into your account) . U.S. Postal Service money orders (if payable to you and deposited into your account, and the deposit is made in person to an employee of East Boston Savings Bank*) . Federal Reserve Bank or Federal Home Loan Bank checks (if payable to you and deposited into your account, and the deposit is made in person to an employee of East Boston Savings Bank*) . State or Local Government checks (if payable to you and deposited into your account, and the deposit is made in person to an employee of East Boston Savings Bank*) . Cashier's, Certified, or Teller's checks (if payable to you and deposited into your account, and the deposit is made in person to an employee of East Boston Savings Bank*) . Traveler's Checks (if payable to you and deposited into your account, and the deposit is made in person to an employee of East Boston Savings Bank*) . checks drawn on us will also be available the day of deposit. *If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available no later than the second Business Day after the day of your deposit.

Funds from all other check deposits will be available on the Fifth Business Day after the day of deposit. DEPOSITS AT AUTOMATED TELLER MACHINES. If you make a deposit at an automated teller machine (ATM) that is owned and operated by us before 4:00 PM on a Business Day that we are open, we will consider the deposit made that day. However, if you make a deposit at an ATM that is owned and operated by us after 4:00 PM or on a day that we are not open, we will consider the deposit made on the next Business Day we are open. ADDITIONAL ATM INFORMATION. All funds deposited at an ATM will be available the second business day after the day of deposit. Longer holds may apply.

A "business day" is any day other than a Saturday, Sunday or a federally declared legal holiday.

ADDITIONAL DEPOSIT INFORMATION. Payroll checks payable to you may be available on the same day. Please ask a teller supervisor for further details.

We may, at our discretion, pay checks on uncollected funds and charge you the applicable fee. Please see our Personal Service Fee Schedule.

MOBILE DEPOSIT SERVICES: Funds from all checks including on-us checks will be available on the second business day after the day of your deposit. The first $300.00 of your deposits, however, will be available on the first business day after the day of deposit.

If you make a deposit thru Mobile Deposit Service before 4 PM EST on a business day that we are open, we will consider the deposit made that day. However, if you make your deposit after 4PM EST or on a day that we are not open, we will consider the deposit made on the next business day we are open.

© 2007-2017 Compliance Systems, Inc d9865c17-bbb834b3 - 2017 54.0.2 Funds Availability Policy Disclosure - DD8107 Page 2 of 2 www.compliancesystems.corn

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Courtesy Overdraft Payment Program Disclosure Courtesy Overdraft Payment Program If you overdraw your account (your current or available balance falls below $0.00), the Description. Bank may pay at its discretion, “items” presented against the account holder’s account up to a certain dollar amount, as described below. These items include checks, electronic funds transfers, other withdrawal requests or payments authorized by the account holder. The Bank is not obligated to pay any item presented against your account if your account does not have enough money to pay those items.

What is an overdraft and how do they Transactions that bring your account into a negative balance are called overdrafts. An occur? overdraft can happen when you write a check, withdraw money from an ATM, make an automatic bill payment or other electronic payment(s) for more than the available funds in your account. Additionally, the return of items deposited by you, may overdraw your account. Also, purchases made with your ATM/Debit card (one-time Point of Sale, or POS purchases) may overdraw your account. However, these one-time POS purchases are not covered by this program. You must specifically authorize the Bank in writing to pay overdrafts caused by the one-time POS purchases. See below on how to give the Bank authorization.

How is my available balance Your available balance is your current balance adjusted for items not yet fully processed to calculated? your account. Items that decrease your available balance include debit transactions (such as POS purchases) that have been authorized by the Bank and not yet posted to your account from your account balance, or portions of check deposits that have not yet been made available. Please refer to the Bank’s Funds Availability Policy for details.

Will the Bank always pay an item that No. The Courtesy Overdraft Payment Program is a discretionary program, meaning the overdraws my account? Bank is not obligated to pay any item that overdraws your account. The Courtesy Overdraft Payment Program does not create an actual or implied agreement between you and the Bank. This is only a privilege that the Bank gives you (the account holder), and can be withdrawn, terminated or suspended at any time at the discretion of the Bank.

Is there an overdraft limit for the Yes. The courtesy service will generally be limited up to a $600.00 overdraft (negative) Courtesy Overdraft Payment Program? balance in your account for eligible checking accounts. For new checking accounts opened, the limit will be up to a $100.00 overdraft (negative) balance during the first 60 days. Our overdraft, returned-item, and uncollected funds fees will be included in and count against your assigned limit.

Will I be charged if the Bank (at its Yes. The Bank’s overdraft fee is $35.00 per item and will be charged to your account, discretion) pays an item that overdraws unless your account is an18/65 designated account, in which case the overdraft fee is $5.00 my account? per item.

Is there a fee if the Bank returns an Yes. The Bank’s returned item fee is $35.00 per item and will be charged to your account, item rather than paying the item? unless your account is an18/65 designated account, in which case the returned item fee is $5.00 per item.

Is there a daily maximum overdraft fee Yes. The Bank will only charge you up to a maximum of six (6) overdraft item fees per day amount that the Bank will charge? for a total amount of $210.00 per day ($30 per day on 18/65 designated accounts).

Are the fees subject to change? Yes. All fees and charges are subject to change with 30 days advanced notice. The Bank will generally mail an updated Personal Service Fee Schedule to you with your account statement, if a decision is made to change any fees.

EBSB Form 8-27-13; Revised 02-23-2021 29 At what point does the Bank begin The Bank will not assess an overdraft fee until your account has an end of day negative charging my account for overdrafts? balance of more than $5.00. Overdraft fee(s) will be assessed on each transaction that causes the total end of day negative balance.

Will the Bank notify me when my Yes. You will be notified by mail of any items paid causing your account to have a negative account becomes overdrawn? balance or any item that is returned unpaid. However, the Bank has no obligation to notify you before we pay or return an item.

When are the amounts overdrawn The overdrawn amounts, including any fees, are due and payable immediately. Failure to including any fees and charges due? bring your account to a positive balance within 35 days of the first reported negative balance will result in account closure.

Who is responsible for paying the All owners (account holders) of the account are responsible for paying the overdraft overdraft amounts, including fees? amounts and fees. Owners of an account include anyone that has signed the signature card, and also includes any agent of the owner if applicable, drawing/presenting the item(s) creating the overdraft.

Does the Courtesy Overdraft Payment No. The Bank will not authorize overdrafts caused from everyday ATM/Debit Card Program include overdrafts caused by transactions (Point of Sale transactions). You must specifically authorize the Bank to pay everyday ATM/Debit Card those ATM/Point of Sale transactions that would result in your account balance becoming Transactions? overdrawn. For more information on how to authoize the Bank to pay those ATM/Point of Sale transactions, please call our Customer Service Center at the number below.

In what order will the Bank post Transactions will be posted to your account in the following order: (1) on-line bill transactions presented against my payments; (2)checks presented in person at the branch; (3)Non-EBSB ATM transactions; (4) account? point-of-sale transactions; (5) EBSB ATM transactions; (6) ACH transactions; (7) withdrawals presented at the branch in person; (8) authorized withdrawal transfers; (9) electronic checks; (10) checks. Items (checks) presented with a serial number are processed in serial number order. Items (checks) presented without a serial number are processed in ascending (lowest to highest) amount order. Items (checks) without a serial number are processed first, then items with a serial number in serial number order.

Does the Bank offer an alternative to Yes. The Bank can link an existing or new savings or checking account to your existing the Courtesy Overdraft Payment checking account. When an item is presented against your checking account that causes Pogram? an overdraft, funds that you maintain in the linked account will automatically be transferred to your checking account at the end of the business day to bring your account to a positive balance, provided that you have enough money in the linked account to cover the overdraft, plus any fee.

What is the fee for the Transfer (linked) If you elect to have an account linked to a checking account in order to transfer funds into Account? a checking account to cover an overdraft, the Bank’s fee is $5.00 per transfer transaction. The Bank will only transfer the exact amount, plus the $5.00 fee into your linked checking account. If there is NOT enough money to cover the overdraft, plus the fee in your linked account, the Bank’s standard overdraft or return item fee of $35.00 per item will apply.

Can I decline the Bank’s Courtesy Yes. You may choose at any time not to participate in the Courtesy Overdraft Payment Overdraft Payment Program? Program, by calling our Customer Service Center at the number below.. If you choose not to participate, the Bank may return those items that would cause a negative balance and may charge our standard Returned Item Fee as stated above.

What if I need help managing my If at anytime you feel that you need help managing your account, please contact our account? Customer Service Center at the number below. As always, good account management is the easiest way to avoid overdrafts and associated fees. Be sure that you have enough funds in your account to cover any transactions that you are making. To assist in managing your account, the Bank offers on-line banking, mobile banking and telebanking. East Boston Savings Bank Customer Service Center 800-657-3272

EBSB Form 8-27-13; Revised 02-23-2021 30 ©

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PRIVACY POLICY FACTS WHAT DOES EAST BOSTON SAVINGS BANK (EBSB) DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: ▪ Social Security number and income ▪ Account balances and payment history ▪ Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons that East Boston Savings Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal Does EBSB share? Can you limit this information sharing? For our everyday business purposes- such as to process your transactions, maintain your YES NO account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes- YES NO to offer our products and services to you For joint marketing with other financial YES NO companies For affiliates’ everyday business purposes- NO We don’t share information about your transactions and experiences For our affiliates everyday business purposes- NO We don’t share information about your creditworthiness For our affiliates to market to you NO We don’t share For nonaffiliates to market to you NO We don’t share

Questions? Call 1-800-657-EBSB (3272) or go to ebsb.com

Revised 7/2019

33

Page 2

Who we are Who is providing this notice? East Boston Savings Bank (EBSB)

What we do How does EBSB protect my To protect your personal information from unauthorized access and use, personal information? we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We will safeguard any information you share with us. In addition, we will limit the collection and use of nonpublic personal information to the minimum required to provide you with superior products or services. We restrict access to your personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal and state standards to guard your nonpublic personal information. How does EBSB collect my We collect your personal information, for example, when you personal information? ▪ Open an account or deposit money ▪ Pay your bills or apply for a loan ▪ Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only ▪ Sharing for affiliates’ everyday business purposes-information about your creditworthiness ▪ Affiliates from using your information to market to you ▪ Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. ▪ EBSB has no affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ▪ EBSB does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ▪ EBSB joint marketing partners include a credit card company that provides our jointly branded card.

Other important information East Boston Savings Bank has established standards and practices to ensure compliance with the provisions of M.G.L. c. 93H relative to the safeguarding of personal information contained in both paper and electronic records for the residents of the Commonwealth of .

Revised 7/2019

34 East Boston Savings Bank locations closing on or about November 12, 2021.

August 11, 2021 East Boston Savings Bank In connection with the merger into Rockland Trust and after careful consideration, we have petitioned state and federal regulatory authorities for permission to close the branches listed below, on or about Friday, November 12, 2021. will become We have listed next to the branch that will be closed the address of the closest branch available to serve you. Rockland Trust! Any comments relative to our petitions to close these branches may be communicated in writing to: Federal Deposit Insurance Corporation Welcome! 15 Braintree Hill Office Park, Suite 200 Braintree, MA 02184 We are pleased to announce that Rockland Trust Company (Rockland Trust) and East Boston Savings Bank expect to join forces on or about November 12, 2021, subject to shareholder and regulatory approvals. At that time, East Boston Savings Bank will become Rockland Trust. Address of Closing Location Address of Nearest Location Driving Distance Like East Boston Savings Bank, Rockland Trust has a deep Massachusetts heritage that stretches back over a century. (miles) Rockland Trust builds long-term relationships with customers by providing outstanding customer service and focusing 181 Brighton Ave., 02134229 N Harvard St., Allston 02134* 1.08 on the local community, and is dedicated to supporting the growth and development of businesses in Massachusetts, 95 Kneeland St., Boston 0211193 Franklin St., Boston 02110*0.54 because Rockland Trust is the bank Where Each Relationship Matters®. In fact, Rockland Trust was ranked the #1 bank 1614 Tremont St., Boston 02120515 Centre St., 02130 1.60 in Massachusetts on Forbes’ 2021 World’s Best Banks list. 1608 Commonwealth Ave., Brighton 02135435 Market St., Brighton 02135* 0.85 What this means to you 1952-1956 Beacon St., Brighton 02135 435 Market St., Brighton 02135*1.16 • Until your account(s) become part of Rockland Trust in November, nothing will change and there is no action required of you. Because there were many East Boston Savings Bank branches in very close proximity to Rockland 1050 Beacon St., Brookline 02446 1441 Beacon St., Brookline 02446 0.98 Trust branches, after careful consideration, we have petitioned state and federal regulatory authorities for permission 473 Harvard St., Brookline 02446 1441 Beacon St., Brookline 02446 0.71 to close some East Boston Savings Bank branches on or about November 12, 2021. If you have a safe deposit box at a branch that is closing, you will be notified in the near future on how to ensure a smooth transition of your valuables. 50 Summit Dr., Burlington 01803 170 Cambridge St., Burlington 01803* 3.53 Please see the enclosed insert for a list of branches that will be closing, and a map of all the new locations you will 1739 Massachusetts Ave., Cambridge 02138 399 Highland Ave., Somerville 02144* 1.07 have access to. 2172 Massachusetts Ave., Cambridge 02140 399 Highland Ave., Somerville 02144* 0.62 • On or about November 12, 2021, deposit account insurance coverage will be provided exclusively by the Federal Deposit Insurance Corporation (FDIC), and excess deposit insurance through the Depositors Insurance Fund (DIF) 960 Morrissey Blvd.,Dorchester 02122 489 Gallivan Blvd., Dorchester 02124 1.80 for amounts that exceed FDIC deposit insurance limits will end. Most customers will not be affected by this change. 24 Broadway Rt. 1 S, Lynnfield 01940 381 Main St., Wakefield 01880 3.59 Please see the reverse side for more information on Rockland Trust’s deposit insurance coverage options. 108 Main St., Melrose 02176 27 Melrose St., Melrose 02176* 2.06 You will receive more information shortly 4238 Washington St., 02131 1920 Centre St., 02132* 1.83 Our goal is to make this transition as seamless as possible for you. In mid-October, you will receive more communications 1981-1985 Centre St., West Roxbury 02132 1920 Centre St., West Roxbury 02132* 0.17 about the merger, including detailed information about your account(s) and the new benefits that Rockland Trust offers. In the meantime, please find answers to a few frequently asked questions on the reverse side of this page. For questions 331 Montvale Ave., Woburn 01801 275 Main St., Woburn 01801* 2.12 concerning your account(s) prior to the completion of the merger, please continue to call 800.657.3272. You can also find additional information about the merger at RocklandTrust.com/Welcome. We are committed to making this the beginning of a great relationship. For a complete map of all Rockland Trust locations once the merger is complete, please see the reverse side. > Sincerely, * Please note that this location is a current Rockland Trust branch and will be available to service your banking needs on or about November 15, 2021 after the closing of the merger. Christopher Oddleifson Richard J. Gavegnano Chief Executive Officer President and Chief Executive Officer Rockland Trust East Boston Savings Bank

P.S. You may receive more than one copy of this mailing if you maintain accounts with different titles.

35 Branch availability beginning on or about November 15, 2021. F AQs for East Boston Savings Bank Customers

Danvers The East Boston Savings Bank branches listed below

Peabody Wakefield Salem will become Rockland Trust branches on or about Burlington Lynn Woburn Saugus Melrose November 15, 2021 Q: What is the impact of the merger into Rockland Trust for East Boston Savings Bank customers? MedfordEverett Revere Waltham Arlington Belmont Somerville East Boston Winthrop A: There is no immediate impact. You should continue to use East Boston Savings Bank branches, checks, debit cards, online Newtonville Allston Brighton Brookline BOSTON 70 Concord Ave., Belmont 02478 Newton Hull Chestnut Hill Jamaica Dorchester banking and bill pay, and make loan payments as you do today. As we begin our transition and start work on integrating the Needham Plain Quincy Shrewsbury West Roxbury Hingham Dedham Milton Braintree Cohasset two organizations, Rockland Trust will communicate any changes to your accounts. Every effort will be made to minimize Westwood Hyde Park Weymouth 1134 Washington St., Boston 02118 Worcester Scituate Medfield Norwood Randolph Norwell Branches with Sunday hours changes to your accounts as the two organizations’ products and systems are aligned. In mid-October, you will receive Milford Stoughton Rockland Mendon Abington 1441 Beacon St., Brookline 02446 additional communications from Rockland Trust regarding your accounts. Hanover Whitman Marshfield Bellingham Franklin Foxborough Pembroke Hanson Brockton Duxbury Halifax 10 Elm St., Danvers 01923 Kingston Bridgewater Plymouth Raynham Q: When can I start using Rockland Trust branches and ATMs? Attleboro Manomet Carver 305 Talbot Ave., Dorchester 02124 Middleboro A: Upon the closing of the merger, which remains subject to shareholder and regulatory approvals, the remaining East Boston PROVIDENCE Seekonk Orleans Sandwich 489 Gallivan Blvd., Dorchester 02124 Savings Bank locations will open as Rockland Trust branches on or about November 15, 2021. To welcome you, you can now Somerset Wareham Bourne make withdrawals at Rockland Trust ATMs free of charge, in addition to all East Boston Savings Bank ATMs. Fall River S. Yarmouth Chatham Centerville W. Dennis 2250 Dorchester Ave., Dorchester 02124 Mashpee Fairhaven Hyannis New Bedford N. Falmouth Osterville E. Falmouth 1 Bennington St., East Boston 02128 Falmouth Q: What are the benefits of becoming a Rockland Trust customer?

Oak Bluffs 856 Bennington St., East Boston 02128 A: Be coming a Rockland Trust customer will provide you with a broad range of banking options, including access to over 120 Vineyard Haven Edgartown branch locations and thousands of surcharge-free ATMs through the SUM program. You will also have access to branches

NANTUCKET 10 Meridian St., East Boston 02128 ISLAND with Sunday hours, envelope-free ATMs, and state-of-the-art mobile and online banking services, including the ability to

Pleasant St. Orange St. Amelia Drive connect with a dedicated banker right from your mobile device or computer. You can also utilize our comprehensive wealth 1755 Revere Beach Pkwy., Everett 02149 Rockland Trust branches on or about November 15, 2021 management services. Rockland Trust is a full-service commercial bank and is dedicated to supporting the growth and 515 Centre St., Jamaica Plain 02130 development of businesses in Massachusetts.

335 Broadway, Lynn 01904 Branches remaining open Q: What is Rockland Trust’s deposit insurance coverage? Upon the closing of the merger, which remains subject to 410 Riverside Ave., Medford 02155 A: Rockland Trust is a strong, secure, and well-capitalized bank. All deposits are insured by the Federal Deposit Insurance shareholder and regulatory approvals, the East Boston Corporation (FDIC) up to $250,000. Deposits you hold in different ownership categories — such as joint, single, and 67 Prospect St., Peabody 01960 Savings Bank locations listed to the right will open as retirement accounts — are each separately insured up to $250,000. That means, for example, that you could have up to Rockland Trust branches on or about November 15, 2021, 575 Broadway, Revere 02151 $250,000 in single-name accounts and up to $250,000 in your share of joint accounts and still be fully insured. Following the and you can look forward to seeing the same friendly, closing, excess deposit insurance through the Depositors Insurance Fund (DIF) for amounts that exceed FDIC deposit 126 Squire Rd., Revere 02151 familiar faces. At that time, you will have access to more than insurance limits will end. Most customers will not be affected by this change. We also participate in the Certificate of Deposit Account Registry Service (CDARS). Participation in the CDARS program enables customers to access FDIC insurance on 120 branches across Massachusetts with locations in the Greater 193 Washington St., Salem 01970 deposits of up to $50 million. Boston communities, Bristol County, Worcester County, the 320 Central St., Saugus 01906 Deposits at East Boston Savings Bank are also insured by the FDIC up to $250,000. If you have accounts at both Rockland South Shore, the South Coast, Cape Cod and the Islands. Trust and East Boston Savings Bank, under federal law you will continue to receive the same FDIC coverage as if your 317 Main St., Saugus 01906 We look forward to building a relationship with you! accounts were still at separate banks for six months after the merger. After six months have passed, if your total aggregate 37 Union Sq., Somerville 02143 account balances exceed $250,000, any excess may not be covered by FDIC insurance. Certificates of Deposit will continue to receive separate FDIC insurance coverage until the first maturity date after the six-month period. For a current list of all Rockland Trust locations, visit: 708 E Broadway, South Boston 02127 If you have questions about FDIC insurance on your deposit(s) or CDARS, please visit your nearest East Boston Savings Bank RocklandTrust.com/Locations 501 Southampton St., South Boston 02127 branch or call the East Boston Savings Bank Call Center at 800.657.3272.

430 W Broadway, South Boston 02127 Q: How will future details about this merger or my accounts be communicated to me? 381 Main St., Wakefield 01880 A: In mid-October, we plan to share additional detailed information regarding your accounts and the transition to 15 Bartlett Rd., Winthrop 02152 Rockland Trust. All communications will be sent by U.S. mail, and updated information for all customers will be available at RocklandTrust.com/Welcome.

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36 Branch availability beginning on or about November 15, 2021. F AQs for East Boston Savings Bank Customers

Danvers The East Boston Savings Bank branches listed below

Peabody Wakefield Salem will become Rockland Trust branches on or about Burlington Lynn Woburn Saugus Melrose November 15, 2021 Q: What is the impact of the merger into Rockland Trust for East Boston Savings Bank customers? MedfordEverett Revere Waltham Arlington Belmont Somerville East Boston Winthrop A: There is no immediate impact. You should continue to use East Boston Savings Bank branches, checks, debit cards, online Newtonville Allston Brighton Brookline BOSTON 70 Concord Ave., Belmont 02478 Newton South Boston Hull Chestnut Hill Jamaica Dorchester banking and bill pay, and make loan payments as you do today. As we begin our transition and start work on integrating the Needham Plain Quincy Shrewsbury West Roxbury Hingham Dedham Milton Braintree Cohasset two organizations, Rockland Trust will communicate any changes to your accounts. Every effort will be made to minimize Westwood Hyde Park Weymouth 1134 Washington St., Boston 02118 Worcester Scituate Medfield Norwood Randolph Norwell Branches with Sunday hours changes to your accounts as the two organizations’ products and systems are aligned. In mid-October, you will receive Milford Stoughton Rockland Mendon Abington 1441 Beacon St., Brookline 02446 additional communications from Rockland Trust regarding your accounts. Hanover Whitman Marshfield Bellingham Franklin Foxborough Pembroke Hanson Brockton Duxbury Halifax 10 Elm St., Danvers 01923 Kingston Bridgewater Plymouth Raynham Q: When can I start using Rockland Trust branches and ATMs? Attleboro Manomet Carver 305 Talbot Ave., Dorchester 02124 Middleboro A: Upon the closing of the merger, which remains subject to shareholder and regulatory approvals, the remaining East Boston PROVIDENCE Seekonk Orleans Sandwich 489 Gallivan Blvd., Dorchester 02124 Savings Bank locations will open as Rockland Trust branches on or about November 15, 2021. To welcome you, you can now Somerset Wareham Bourne make withdrawals at Rockland Trust ATMs free of charge, in addition to all East Boston Savings Bank ATMs. Fall River S. Yarmouth Chatham Centerville W. Dennis 2250 Dorchester Ave., Dorchester 02124 Mashpee Fairhaven Hyannis New Bedford N. Falmouth Osterville E. Falmouth 1 Bennington St., East Boston 02128 Falmouth Q: What are the benefits of becoming a Rockland Trust customer?

Oak Bluffs 856 Bennington St., East Boston 02128 A: Be coming a Rockland Trust customer will provide you with a broad range of banking options, including access to over 120 Vineyard Haven Edgartown branch locations and thousands of surcharge-free ATMs through the SUM program. You will also have access to branches

NANTUCKET 10 Meridian St., East Boston 02128 ISLAND with Sunday hours, envelope-free ATMs, and state-of-the-art mobile and online banking services, including the ability to

Pleasant St. Orange St. Amelia Drive connect with a dedicated banker right from your mobile device or computer. You can also utilize our comprehensive wealth 1755 Revere Beach Pkwy., Everett 02149 Rockland Trust branches on or about November 15, 2021 management services. Rockland Trust is a full-service commercial bank and is dedicated to supporting the growth and 515 Centre St., Jamaica Plain 02130 development of businesses in Massachusetts.

335 Broadway, Lynn 01904 Branches remaining open Q: What is Rockland Trust’s deposit insurance coverage? Upon the closing of the merger, which remains subject to 410 Riverside Ave., Medford 02155 A: Rockland Trust is a strong, secure, and well-capitalized bank. All deposits are insured by the Federal Deposit Insurance shareholder and regulatory approvals, the East Boston Corporation (FDIC) up to $250,000. Deposits you hold in different ownership categories — such as joint, single, and 67 Prospect St., Peabody 01960 Savings Bank locations listed to the right will open as retirement accounts — are each separately insured up to $250,000. That means, for example, that you could have up to Rockland Trust branches on or about November 15, 2021, 575 Broadway, Revere 02151 $250,000 in single-name accounts and up to $250,000 in your share of joint accounts and still be fully insured. Following the and you can look forward to seeing the same friendly, closing, excess deposit insurance through the Depositors Insurance Fund (DIF) for amounts that exceed FDIC deposit 126 Squire Rd., Revere 02151 familiar faces. At that time, you will have access to more than insurance limits will end. Most customers will not be affected by this change. We also participate in the Certificate of Deposit Account Registry Service (CDARS). Participation in the CDARS program enables customers to access FDIC insurance on 120 branches across Massachusetts with locations in the Greater 193 Washington St., Salem 01970 deposits of up to $50 million. Boston communities, Bristol County, Worcester County, the 320 Central St., Saugus 01906 Deposits at East Boston Savings Bank are also insured by the FDIC up to $250,000. If you have accounts at both Rockland South Shore, the South Coast, Cape Cod and the Islands. Trust and East Boston Savings Bank, under federal law you will continue to receive the same FDIC coverage as if your 317 Main St., Saugus 01906 We look forward to building a relationship with you! accounts were still at separate banks for six months after the merger. After six months have passed, if your total aggregate 37 Union Sq., Somerville 02143 account balances exceed $250,000, any excess may not be covered by FDIC insurance. Certificates of Deposit will continue to receive separate FDIC insurance coverage until the first maturity date after the six-month period. For a current list of all Rockland Trust locations, visit: 708 E Broadway, South Boston 02127 If you have questions about FDIC insurance on your deposit(s) or CDARS, please visit your nearest East Boston Savings Bank RocklandTrust.com/Locations 501 Southampton St., South Boston 02127 branch or call the East Boston Savings Bank Call Center at 800.657.3272.

430 W Broadway, South Boston 02127 Q: How will future details about this merger or my accounts be communicated to me? 381 Main St., Wakefield 01880 A: In mid-October, we plan to share additional detailed information regarding your accounts and the transition to 15 Bartlett Rd., Winthrop 02152 Rockland Trust. All communications will be sent by U.S. mail, and updated information for all customers will be available at RocklandTrust.com/Welcome.

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37 East Boston Savings Bank locations closing on or about November 12, 2021.

August 9, 2021 East Boston

SALVATORE A FERRERA OR 40076 In connection with the merger into Rockland Trust and after careful consideration, we have petitioned state and ANGELA FERRERA Savings Bank federal regulatory authorities for permission to close the branches listed below, on or about Friday, November 12, 2021. ITF LISA A FERRERA & ANGELA K FRANGOLINI 60 FRANKFORT ST will become We have listed next to the branch that will be closed the address of the closest branch available to serve you. EAST BOSTON, MA 02128-4312 Any comments relative to our petitions to close these branches may be communicated in writing to:  Rockland Trust! Federal Deposit Insurance Corporation Welcome! 15 Braintree Hill Office Park, Suite 200 Braintree, MA 02184 We are pleased to announce that Rockland Trust Company (Rockland Trust) and East Boston Savings Bank expect to join forces on or about November 12, 2021, subject to shareholder and regulatory approvals. At that time, East Boston Savings Bank will become Rockland Trust. Address of Closing Location Address of Nearest Location Driving Distance Like East Boston Savings Bank, Rockland Trust has a deep Massachusetts heritage that stretches back over a century. (miles) Rockland Trust builds long-term relationships with customers by providing outstanding customer service and focusing 181 Brighton Ave., Allston 02134229 N Harvard St., Allston 02134* 1.08 on the local community, and is dedicated to supporting the growth and development of businesses in Massachusetts, 95 Kneeland St., Boston 0211193 Franklin St., Boston 02110*0.54 because Rockland Trust is the bank Where Each Relationship Matters®. In fact, Rockland Trust was ranked the #1 bank 1614 Tremont St., Boston 02120515 Centre St., Jamaica Plain 02130 1.60 in Massachusetts on Forbes’ 2021 World’s Best Banks list. 1608 Commonwealth Ave., Brighton 02135435 Market St., Brighton 02135* 0.85 What this means to you 1952-1956 Beacon St., Brighton 02135 435 Market St., Brighton 02135*1.16 • Until your account(s) become part of Rockland Trust in November, nothing will change and there is no action required of you. Because there were many East Boston Savings Bank branches in very close proximity to Rockland 1050 Beacon St., Brookline 02446 1441 Beacon St., Brookline 02446 0.98 Trust branches, after careful consideration, we have petitioned state and federal regulatory authorities for permission 473 Harvard St., Brookline 02446 1441 Beacon St., Brookline 02446 0.71 to close some East Boston Savings Bank branches on or about November 12, 2021. If you have a safe deposit box at a branch that is closing, you will be notified in the near future on how to ensure a smooth transition of your valuables. 50 Summit Dr., Burlington 01803 170 Cambridge St., Burlington 01803* 3.53 Please see the enclosed insert for a list of branches that will be closing, and a map of all the new locations you will 1739 Massachusetts Ave., Cambridge 02138 399 Highland Ave., Somerville 02144* 1.07 have access to. 2172 Massachusetts Ave., Cambridge 02140 399 Highland Ave., Somerville 02144* 0.62 • On or about November 12, 2021, deposit account insurance coverage will be provided exclusively by the Federal Deposit Insurance Corporation (FDIC), and excess deposit insurance through the Depositors Insurance Fund (DIF) 960 Morrissey Blvd., Dorchester 02122 489 Gallivan Blvd., Dorchester 02124 1.80 for amounts that exceed FDIC deposit insurance limits will end. Most customers will not be affected by this change. 24 Broadway Rt. 1 S, Lynnfield 01940 381 Main St., Wakefield 01880 3.59 Please see the reverse side for more information on Rockland Trust’s deposit insurance coverage options. 108 Main St., Melrose 02176 27 Melrose St., Melrose 02176* 2.06 You will receive more information shortly 4238 Washington St., Roslindale 02131 1920 Centre St., West Roxbury 02132* 1.83 Our goal is to make this transition as seamless as possible for you. In mid-October, you will receive more communications 1981-1985 Centre St., West Roxbury 02132 1920 Centre St., West Roxbury 02132* 0.17 about the merger, including detailed information about your account(s) and the new benefits that Rockland Trust offers. In the meantime, please find answers to a few frequently asked questions on the reverse side of this page. For questions 331 Montvale Ave., Woburn 01801 275 Main St., Woburn 01801* 2.12 concerning your account(s) prior to the completion of the merger, please continue to call 800.657.3272. You can also find additional information about the merger at RocklandTrust.com/Welcome. We are committed to making this the beginning of a great relationship. For a complete map of all Rockland Trust locations once the merger is complete, please see the reverse side. > Sincerely, * Please note that this location is a current Rockland Trust branch and will be available to service your banking needs on or about November 15, 2021 after the closing of the merger. Christopher Oddleifson Richard J. Gavegnano Chief Executive Officer President and Chief Executive Officer Rockland Trust East Boston Savings Bank

P.S. You may receive more than one copy of this mailing if you maintain accounts with different titles.

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Effective May 1, 2020

Personal Service Fee Schedule: Abandoned Account Processing ...... $50.00 Account Closing within 180 Days of Opening ...... $25.00 Annuity Loan Card Payment Processing Fee ...... $15.00 ATM Withdrawals at ATMs other than EBSB or Allpoint Network1 ...... $2.50 ATM/Visa® Check Card Reissue ...... $10.00 ATM/Visa® Check Card Rush Delivery ...... $30.00 Bank Check2 ...... $7.50 Bank Check Stop Payment ...... $35.00 Check Presented for Collection3 Domestic ...... $20.00 International ...... $40.00 Check Presented (checks, point of sale, ATM or debit card) Overdraft fee ...... $35.00 Returned Item Fee ...... $35.00 Uncollected Funds (UAF) ...... $35.00 Confirmatory Discharge ...... $50.00 Customer Initiated Account Transfer (by telephone or fax) ...... $5.00 Deposited Items Returned Unpaid4 ...... $7.50 Duplicate 1098 or 1099 ...... $5.00 Duplicate Loan Statement ...... $5.00 Equity Line Annual Fee ...... $50.00 Early Termination Fee if closed within 24 months of opening ...... $500.00 Inactivity Fee5 (monthly) ...... $5.00 Installment Loan Late Fee ...... $5.00 Interim Statement ...... $5.00 IRA Annual Fee ...... $15.00 IRA Trustee Transfer Fee (funds leaving the bank)...... $25.00 IRA Premature Withdrawal Fee (under age 59 ½) ...... $25.00 Levy/Garnishment ...... $100.00 Loan Payment Returned Unpaid Fee Mortgage ...... $33.00 All Other ...... $10.00 Loan Payoff Delivery Fee6 Commercial Mortgage/Lines of Credit ...... $25.00 Residential Mortgage/Home Equity ...... $15.00 Lost Passbook ...... $20.00 Money Market 3rd party transfers over 6/statement ...... $15.00 Money Order ...... $1.00 Overdraft Protection Annual Fee (Easy Credit Line) ...... $25.00 Overdraft Transfer Fee ...... $5.00 Photocopy of Statement or Check ...... $5.00 Returned Statement (incorrect address) after 60 days...... $5.00 Statement Savings 3rd party transfers over 6/statement ...... $15.00

39 Stop Payment Request – All Types ...... $35.00 Temporary or Counter Check ...... $1.00 Visa® Check Card Single-Currency7 and Multi-Currency8 International Transaction Fee ...... 80% - 3% Fees apply to purchases made with your EBSB Visa® Check card in currency other than U.S. dollars. Wire Transfer (Domestic) In ...... $15.00 Out ...... $25.00 Wire Transfer (Foreign) In ...... $15.00 Out in foreign currency ...... varies Out in U.S. dollars ...... $40.00

Safe Deposit Box Rentals9 Safe Deposit Boxes are available at the Everett, Lower Mills, Lynn, Melrose, , and Village Park branches.

Box Size Annual Charge 2” x 5” x 24” ...... $55.00 3” x 5” x 24” ...... $65.00 5” x 5” x 24” ...... $85.00 3” x 10” x 24” ...... $120.00 5” x 10” x 24” ...... $140.00 10” x 10” x 24” ...... $235.00

Late Charge ...... $15.00 Key Replacement ...... $25.00 Drilling ...... $200.00

1 Some banks may charge an additional fee for use of their ATMs. 2 One free Bank check per withdrawal ($1,000 minimum check amount.) 3 Additional fee may be charged by collecting bank. 4 Or as established from time to time by the Commissioner of Banks. 5 Applies to checking accounts with balances less than $250 with no activity for 12 months. (Free Checking Accounts excluded.) 6 This fee is per payoff delivered. For example, multiple delivery fees may apply for the same loan account. 7 Single-Currency International Transaction Fee applies to: cross-border transaction where currency conversion takes place. 8 Multi-Currency International Transaction Fee applies for international transaction where a currency conversion takes place. 9 Safe Deposit contents are not insured by FDIC or DIF. 05/2020

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