Products and Services Guide

Transcription

1 Products and Services Guide

2 WELCOME Serving our communities is nothing new to us. For over 165 years, Randolph Savings Bank has been happily serving businesses, individuals, families and homeowners as a Massachusetts-based community bank. Not only do we have several full-service branches and lending centers, we offer access to thousands of ATMs and we provide a robust collection of online and mobile banking tools that bring the bank to you - allowing you to open accounts, apply for loans and check the status of your accounts from anywhere at any time. We're proud of the personalized service and innovative products we deliver to our customers and community. TABLE OF CONTENTS Frequently asked Questions 2 Grandfathered Account Details 6 On the Go, Wherever You Go (Personal Convenience Features) 8 Meet the RSB Account Lineup (Personal Account Details) Checking Accounts 12 Savings Accounts 16 Take Care of Business (Business Convenience Features) 24 Cash Management Made Easy (Business Account Details) Checking Accounts 26 Other Accounts 29 Locations, Hours, and ATMs 30 Member FDIC Member DIF

3 FREQUENTLY ASKED QUESTIONS GENERAL INFORMATION When will the conversion take place? The conversion will take place beginning at 5:00pm on Friday, November 4. The new Randolph Savings Bank systems will be up and running on Monday, November 7 at 8:30am. Will the bank s hours of operation be the same? Great news! The branch hours will be expanding starting Monday, November 7: School St. Office Mon Wed Thurs Fri Lobby Hours 8:30am 4:00pm 8:30am 6:00pm 8:30am 5:00pm In addition, you ll have access to all the other Randolph Savings Bank locations and ATMs. For a list of all locations, see page 30 or visit randolphsavings.com/locations. CHECKING & SAVINGS ACCOUNT INFORMATION Will my account number(s) change? At-a-glance Friday, November 4 FFSB office closes at 4:00pm Monday, November 7 FFSB office reopens as Randolph Savings Bank branch Begin using your new Randolph: - Debit/ATM card - Checks - Online Banking Account numbers will not change for most customers. Beginning Monday, November 7, your bank routing number will change to Will the features and benefits of my current account(s) change? We will be introducing you to the Randolph Savings Bank lineup of products and services. Listed on the reverse side of your cover letter is a listing of your existing First Federal/First Eastern accounts and the new Randolph Savings Bank accounts. We have made every effort to best align your existing accounts with our new solutions. The features and benefits of Randolph Saving Bank's account solutions are described in this book starting on page 12. If after the conversion you feel a different account would better suit your needs, please let us know and we ll be happy to change your account. Will I be receiving new checks? Yes. Randolph Savings Bank will provide a free supply of checks with your new checking account. Your new checks will arrive prior to the November 7 conversion date. For your safety, please shred and discard your existing FFSB checks and begin using your new checks on or after November 7, Please note any un-cleared First Federal Savings Bank checks will continue to be honored. Will my direct deposits & automated transactions continue as before? Yes. There will be no interruption of your current direct deposits, automatic transfers or automatic payments. Will I receive a final statement from FFSB? Yes. Final statements from FFSB will be generated on Friday, November 4 for checking and savings accounts. You will receive your regularly scheduled November statement from Randolph Savings Bank. What will happen with my CDs and/or IRAs? Randolph Savings Bank will be honoring the Certificate of Deposit (CD) and/ or Investment Retirement Account (IRA) rates and terms you have with FFSB. Unless you direct us otherwise, your certificate will renew into the Randolph certificate that closely matches the term of your original CD/IRA. DEBIT/ATM CARDS Can I continue to use my FFSB Debit/ATM card? No, Randolph Savings Bank will mail you a new Debit/ATM card prior to Friday, November 4 th. You will also receive your new PIN in a separate mailing. You should begin using your new card on Monday November 7 th. Prior to using, you will need to activate your new card by visiting an ATM with the PIN provided in the separate mailing. Activate your card surcharge free at any Randolph Savings Bank (including 19 School Street) or any SUM ATM. Once your new Randolph Savings Bank card is activated, you should destroy your FFSB card. I use my debit card number for automatic payments. Will these be affected? Since your debit card number will change, automatic payments charged to the card will need to be updated with the billing company effective Monday, November

4 ONLINE BANKING INFORMATION Will I have online access to my deposit and loan accounts? Yes! Randolph Savings Bank is excited to introduce FFSB customers to the many convenient electronic services we offer customers. Once the conversion is complete, you will be able to enroll in Online Banking and have full access to all of your deposit and loan accounts online through one easy-to-use source. What's more, you'll be able to access certain account information and make deposits to your checking and savings accounts through our Mobile Banking App (available for iphone, Android phones, and ipad tablets) and you will have access to certain account information through Text Banking. LOAN ACCOUNT INFORMATION What is changing? As of November 7, 2016, you will begin receiving bills from Randolph Savings Bank. As of that date you will be sending your payments to PO Box 354 Randolph, MA and will be making the check payable to Randolph Savings Bank. Please inform your insurance providers of the name change so your homeowner s policy and, if applicable, flood insurance policy may be updated. PLEASE NOTE: If you currently have a FIRST FEDERAL SAVINGS BANK MONEY MARKET PASSBOOK ACCOUNT, your account is being converted to a Randolph Savings Bank Money Market account, an account with limited check writing capabilities. As your account is changing to a checking account, you will no longer have a book for it. If you would like a passbook, please come to the branch to open a Passbook Savings account. To order checks, call or stop by an RSB branch location to request an order of checks at no charge. If you have a FIRST FEDERAL SAVINGS BANK RIGHT NOW CHECKING ACCOUNT, the features and benefits of your account will not be changing. Please continue to use your account as you have been, using your new checks and debit card. To review your Right Now Checking account details, see page 6. What is remaining the same? The terms and conditions, account number and payment date will not change. If you have questions, you can continue to contact your usual loan or branch representative or you can call our Customer Service Department at , Monday through Friday from 7:00am 7:00pm and Saturday from 8:00am 2:00pm. What s New? Want to make your loan payments online? At Randolph Savings Bank we make it easy. Just go to randolphsavings.com/loans/make-a-loan-payment/ to make an easy payment from your debit card or from your checking account at any financial institution. If your loan is not listed in this packet, you will continue to make payments as you do today. Please note a $3 fee will be assessed for each debit card transaction. A $1 fee will be assessed for each online payment via checking account from another financial institution. What if I have a residential loan not listed in this mailing? FFSB and its mortgage division, First Eastern Mortgage, service a wide variety of loans. If your loan is not listed in this packet, you will continue to make payments as you do today. In the upcoming months, you will receive another packet detailing the conversion of those loan(s) to Randolph Savings Bank. 4

5 GRANDFATHERED ACCOUNT DETAILS Right Now Checking If you have a First Federal Savings Bank Right Now Checking Account, the features and benefits of your account will not be changing. You can continue to use your account as you have been. First Federal Savings Bank CDs and IRAs The terms of your current CD products will be honored until maturity when they will be converted to the following Randolph Savings Bank CD products. As the maturity date approaches, a bank representative will contact you to review your Randolph Savings Bank options. * Minimum Balance to earn interest Minimum Balance to Avoid s 0.25% $3 Customers have to maintain a daily balance of $ or have a Direct Deposit to avoid the $3.00 monthly charge with our Right Now Checking product. Beginning November 7, you'll have access to a wide variety of tools to make your Right Now Checking Account even more convenient, such as Online and Mobile Banking, Online Bill Pay, Apple Pay and more! FFSB CD Product RSB CD Product 1 Month CD You will be contacted regarding renewal options 3 Month CD You will be contacted regarding renewal options 6 Month CD RSB 6 Month CD 12 Month CD RSB 12 Month CD 24 Month CD RSB 24 Month CD 36 Month CD RSB 36 Month CD 48 Month CD RSB 48 Month CD 60 Month CD RSB 60 Month CD Brokered CD/ Jumbo CD You will be contacted regarding renewal options For CD account details, see page 22. FFSB IRA CD Product RSB IRA CD Product 6 Month IRA CD RSB 6 Month IRA CD 12 Month IRA CD RSB 12 Month IRA CD 24 Month IRA CD RSB 24 Month IRA CD 36 Month IRA CD RSB 36 Month IRA CD 60 Month IRA CD RSB 60 Month IRA CD For IRA account details, see page 23. *Rates subject to change. s may reduce earnings. Please refer to the enclosed booklet for full disclosure information. 6

6 ON THE GO, WHEREVER YOU GO BANKING JUST GOT EASIER At Randolph Savings Bank, we believe that banking should be hassle-free so we're excited to offer you our full line up of convenient tools to simplify the way you bank. Our convenient online and mobile tools let you bank anytime, from anywhere, from any device - desktop, smart phone or tablet! E-Statements FREE! Less clutter, more convenient - access your account statements online instead of getting a paper statement in the mail. MOBILE BANKING & TABLET APPS ONLINE BANKING FREE! Enjoy free 24-hour online access to your accounts so you can bank on your schedule. With online banking, you have access to MANY more convenient online features! Enrolling is simple! Just go to randolphsavings.com, click register, and follow the on-screen directions. Online Account Opening FREE! Why come to the branch? You can open new RSB accounts from the comfort of your own home, saving time and adding convenience. Automatic Transfers FREE! Saving can be easy with automatic transfers from RSB checking accounts into RSB savings accounts. Build up a nest egg or an emergency fund easily and conveniently. Bank-to-bank Transfers Quickly and securely transfer money to your accounts at other banks, saving the drive time and wait in line. It is a very convenient way for you to manage your accounts at multiple institutions. FREE! Mobile banking allows you to access and check your accounts anytime and anywhere from your smartphone or tablet and saves time from going to the bank and writing checks. Tablet apps are available for your ipad or Android tablet. Text Banking Access accounts, check balances, find the nearest ATM or branch and more, all via text message. Mobile Deposit FREE! Skip the trip to the bank and deposit checks directly from your mobile device, saving time and adding convenience. APPLE PAY Enjoy the security, protection, and convenience of your Randolph Savings Bank debit card, now with the ease and accessibility of Apple Pay. 8 9

7 Popmoney Send, request and receive money with just about anyone online or through your mobile device using Popmoney. Money moves simply and securely from bank account to bank account. Bank by Phone and Call Center For additional account access, use our automated toll-free telephone banking service. If you don t like to use smart phones or computers to get your banking information, we still offer the convenience of calling our automated number for balance and transaction information. Please call Live Chat Ask questions and get answers in real time with our live chat feature. The icon for Live Chat can be found at the top of every page on RandolphSavings.com. LOANS When you re looking for a loan, you can count on the professional lending representatives at Randolph Savings Bank to work with you to help you find the right loan to fit your specific borrowing needs and financial situation. Auto Loans Unsecured Personal Loans Savings Secured Loans Mortgage Loans Home Equity Loans Home Equity Line Of Credit Online Home Loan Applications FREE! Getting the financing you need has never been easier. Start the application process online for a faster turnaround, saving money on a refinance application or getting you into the home of your dreams faster. We work the way you work - so whether you prefer to meet in person or you'd like to complete the mortgage process online, Randolph Savings Bank is there for you, the way you want. Fast, local, and knowledgeable. We can make your dreams of home ownership a reality with our Prime Mortgage process. Online Loan Payments Now you can make your loan payment securely online! Debit cards are accepted, as well as payments from checking or savings accounts. A $3 fee will be assessed for each credit card transaction. A $1 fee will be assessed for each electronic payment from accounts held at other financial institutions. CONSUMER CREDIT CARDS Randolph Savings Bank has teamed up with Elan Financial Services to bring you Visa credit cards that come with a variety of important features. We offer the following types of cards: Consumer Platinum, Bonus Rewards, Travel Rewards and Cash Rewards Cards Student and Secured 0000 Cards GOOD THRU 01/19 SAMPLE A. SAMPLE GOOD THRU GOOD THRU 01/ SAMPLE A. SAMPLE / SAMPLE A. SAMPLE GOOD THRU 01/19 SAMPLE A. SAMPLE SAMPLE A. SAMPLE 01/19 For more information about our convenience services visit randolphsavings.com, call , or stop in to a branch today! 10

8 MEET THE RSB ACCOUNT LINEUP Not only do we deliver the convenient tools to make banking easier, Randolph Savings Bank offers a fantastic line up of checking and savings products - no matter what your needs are, we've got an account that's right for you! Our online and mobile tools let you bank anytime, anywhere, on any device. Apex Checking Low risk, high yield, more bang for your buck. Who wouldn t like more money in their pocket? That s what you ll get with Apex Checking from Randolph Savings Bank. With Apex, your balances are earning interest* - that means more cash in your pocket. Low risk, high yield, more bang for your buck. You want to be rewarded by earning interest on checking balances and waiving account fees * Unlimited foreign ATM fee reimbursement % APY on balances from -25,000 Yes! No transaction limits Waived card activity fees 1 Free Debit card Free Online banking Free Bill pay Free Mobile banking Free Mobile deposit Additional Information To waive monthly maintenance fee, account must have Minimum Account Balance of $2,500 or Relationship Deposit Balance of $25,000 or RSB Mortgage or RSB Home Equity Loan/Line. Otherwise per monthly statement cycle. To earn bonus rate and receive foreign ATM fee reimbursements, account requirements must be met. Account requirements include direct deposit(s) totaling $2,500 or more each statement cycle, ten debit card (POS) transactions per statement cycle, and customer enrolls for e-statements. Apex Minimum Balance for APY Interest Rate APY * 25, % 2.75% $25, % % NOTE: Customers may have only one Apex Checking Account per tax-reporting owner. * Rates subject to change. s may reduce earnings. See page 15 for checking account disclosures. Please refer to the enclosed booklet for full disclosure information

9 Beyond Checking Beyond old school. Beyond Checking. Who wants to be tied to a checkbook? No one! When you re on the go, you need your checking account to keep up with you. Beyond checking goes where you go online, mobile, and with access to thousands of ATMs. It couldn t be easier. Beyond old school. Beyond Checking. Unlimited foreign ATM fee reimbursement 3 Additional Information You want an account that keeps up with your active lifestyle online, mobile, e-statements, and free ATMs 3 N/A - Does not earn interest Yes! This account cannot be overdrawn 2 Waived card activity fees 1 Free Debit card Free Online banking Free Bill pay Free Mobile banking Free Mobile deposit To waive monthly maintenance fee, account must have direct deposit(s) totaling $1,500 or more each monthly statement cycle. Otherwise $5 per monthly statement cycle. To receive foreign ATM fee reimbursements and waive monthly maintenance fee, account requirements must be met. Account requirements include direct deposit(s) totaling $1,500 or more each statement cycle. You must enroll in e-statements for this account. Mailed paper statements are available for $4.00 for each statement. See page 15 for checking account disclosures. Please refer to the enclosed booklet for full disclosure information. Free Checking A no-frills classic. If you are running in all directions, and need the advantages of every electronic banking convenience to do your banking where and when it s best for you, then this is the perfect account for you. Unlimited foreign ATM fee reimbursement 3 You want an account with no service charge and no balance requirements No No Unlimited check writing Free Debit card Free Online banking Free Bill pay Free Mobile banking Free Mobile deposit CHECKING ACCOUNT DISCLOSURE INFORMATION s will apply for other services such as NSF/Overdraft fees, check orders and stop payments. Refer to our Schedule for a complete list. Rates for variable rate accounts subject to change at any time. Randolph Savings Bank is a member of the SUM Program. Additional ATM surcharges will not be imposed on Randolph Savings Bank customers who use their cards at SUM designated ATMs. However, Randolph Savings Bank does impose an ATM network fee (card activity charge) for transactions at non-randolph Savings Bank ATMs (Refer to our current Schedule). Other banks may impose a surcharge for use of their ATMs. 1. Apex Checking and Beyond Checking only. If plan requirements are met (see chart for account requirements), there are no card activity fees and all foreign ATM fees are reimbursed at the end of each statement cycle. 2. This account is not eligible for Courtesy Overdraft or Overdraft Line of Credit. Transactions will be declined when you have insufficient funds in your account. However, if there were sufficient funds in your account at the time a POS transaction was authorized but insufficient funds once the transaction posts, you will not be charged an overdraft fee. 3. To receive foreign ATM fee reimbursements and waive monthly maintenance fee, account requirements must be met. Account requirements include direct deposit(s) totaling $1,500 or more each statement cycle. Please refer to the enclosed booklet for full disclosure information. For customers with a First Federal Savings Bank Right Now Checking Account, the features and benefits of your checking account will not be changing

10 Piggy Savings 1,2 Save more with less risk. You know there are better ways to save than tucking your money under your mattress. With a Piggy Savings account from Randolph Savings Bank, you ll earn a great interest rate - the more you save, the more you earn, the faster you ll reach your goals. Great rates, great service, no lumpy mattress. Minimum for APY You d like to reach your savings goals faster with a high interest rate (RSB checking account required) See rate chart below Statement Savings 1 No strings. Just savings. Randolph Savings Bank's variable rate savings accounts are the ideal means to begin saving for that dream vacation or your child's college education. Whatever your goal, we have a savings tool for you including free auto transfers to make achieving your dreams even easier. Our savings accounts earn competitive rates. Start saving today, it's the perfect stepping-stone in building a solid financial future. You want a no-strings attached savings account that receives paper statements at no extra charge 0.10% Free Online banking Free E-Statements Free RSB ATM card when linked to RSB checking account 24-hour access to account info via RSB touch tone banking Deposits insured in full by both FDIC and DIF Minimum for APY Free Online banking Free E-Statements Free RSB ATM card when linked to RSB checking account 24-hour access to account info via RSB touch tone banking Deposits insured in full by both FDIC and DIF Bonus Rate Requirements For balances of.00 to $15, Must be linked to an active RSB checking account. For Apex checking accounts, active is defined as direct deposit(s) totaling $2,500 or more each statement cycle, ten debit card (POS) transactions per statement cycle, and customer enrolls for e-statements. For all other checking accounts, active is defined as one of the following must be posted to the account per statement cycle: 1) Direct deposit; 2) Debit card transaction; 3) Bill pay transaction. Piggy Minimum Balance for APY Interest Rate APY * 15, % 0.95% $15, % % See page 20 for savings account disclosures. Please refer to the enclosed booklet for full disclosure information. See page 20 for savings account disclosures. Please refer to the enclosed booklet for full disclosure information

11 Passbook Savings This traditional savings account provides you with a compact, easy-to-read, continual record of transactions on your account. You can open a passbook savings account with as little as and there is no monthly service charge. You want a traditional interest-earning savings account that provides a passbook to easily track your transactions Holiday Club Want to enjoy the fun of holiday shopping without the sting of the credit card? Making weekly contributions to your holiday club throughout the year (and the accumulated interest on your deposits) will make holiday shopping so much easier. And to make it even more convenient, you can arrange for direct deposit or automatic transfer to your holiday club account. A transfer for all monies in the account is made to the RSB account of the customer s choice in October. Minimum for APY 0.10% You're looking for an automated means to save throughout the year to prepare for holiday shopping Balance cannot go below hour access to account info via RSB touch tone banking Deposits insured in full by both FDIC and DIF Minimum for APY 0.10% Free Online banking Free E-Statements Free RSB ATM card when linked to RSB checking account 24-hour access to account info via RSB touch tone banking Deposits insured in full by both FDIC and DIF Balance cannot go below.00 Please refer to the enclosed booklet for full disclosure information. Please refer to the enclosed booklet for full disclosure information

12 Vacation Club Planning ahead for your vacation by making weekly contributions to your vacation club throughout the year (and the accumulated interest on your deposits) will make going on vacation so much more fun. To make it even more convenient, you can arrange for direct deposit or automatic transfer to your vacation club account. A transfer for all monies in the account is made to the RSB account of the customer s choice in March. You want a convenient way to save throughout the year for your vacation Money Market Accounts You have goals. To reach those goals, you need your savings to work harder for you than most savings accounts can. That s where the Randolph Savings Bank Money Market Accounts come in. Saving more has never been easier. Minimum for APY You're seeking interest rates higher than the national savings average to help you reach your goals sooner Preferred Money Market: $25,000 Money Market: $2,500 See rate chart below See rate chart below Minimum for APY 0.10% Free Online banking Free E-Statements Free RSB ATM card when linked to RSB checking account 24-hour access to account info via RSB touch tone banking Deposits insured in full by both FDIC and DIF Balance cannot go below.00 Free estatements Free Online Banking Limited check writing and/or ACH and Online banking transfer or withdrawal Preferred Money Market Minimum Balance for APY Interest Rate APY * 24, % 0.10% $25,000 49, % 0.20% $50,000 99, % 0.30% 0, % 0.40% Money Market Minimum Balance for APY Interest Rate APY * 2, % 0.05% $2, % 0.10% SAVINGS ACCOUNT DISCLOSURE INFORMATION You may make an unlimited number of withdrawals from your Piggy or Statement savings account in our lobby. Withdrawals or transfers from a Piggy or Statement savings to another account or to third parties by preauthorized, automatic, telephone, or computer transfers are limited to 6 per statement cycle. Each transaction in excess of these limits will be charged an Excessive Transfer. See our Schedule. 2. For Apex checking accounts, active is defined as the customer must enroll in e-statements and ALL of the following transactions must be posted to the account per statement cycle: Direct Deposit(s) totaling $2,500 or more and 10 debit card POS payments. For all other checking accounts, active is defined as one of the following transactions must be posted to the account per statement cycle: Direct Deposit, Debit Card Transaction, and Bill Pay Transaction. Please refer to the enclosed booklet for full disclosure information. *Rates may change after account is opened. s could reduce earnings Please refer to the enclosed booklet for full disclosure information

13 Certificate of Deposit Products Randolph Savings Bank offers a variety of Certificate of Deposit Accounts in a variety of rates and terms. Periodically, we offer promotional rate CDs. As your CD matures, please check online or with the Randolph Savings Bank branch nearest you for a list of our current offering. IRA Certificate of Deposit Products Randolph Savings Bank offers a variety of IRA Certificate of Deposit Accounts. You're looking for a secure way to grow your funds for retirement You want a secure way to grow interest on your funds $500 Refer to RandolphSavings.com for IRA CD rates and terms. 6 Month CD: $2,500 Minimum for APY $500 Other Terms: $1,000 Refer to RandolphSavings.com for CD rates and terms. Various terms and rates available Rate guaranteed for the life of the term Minimum for APY 6 Month CD: $2,500 Other Terms: $1,000 Rate guaranteed for the life of the term *Rates of certificates of deposit accounts are fixed for the duration of the term unless otherwise disclosed; fees could reduce earnings; penalty may be imposed for early withdrawal on Certificate of Deposit and IRA accounts. Please refer to the enclosed booklet for full disclosure information. *Rates of certificates of deposit accounts are fixed for the duration of the term unless otherwise disclosed; fees could reduce earnings; penalty may be imposed for early withdrawal on Certificate of Deposit and IRA accounts. Please refer to the enclosed booklet for full disclosure information. 22

14 TAKE CARE OF BUSINESS Running your business efficiently and effectively while keeping your finances flowing smoothly is a priority. We re pleased to offer a wide variety of tools that make banking easier, bringing the bank to you when you can t get to the bank. Business Online Efficiently and effectively manage your accounts online while keeping your business's finances flowing smoothly. With Business Online Banking you can: View transaction information for multiple accounts Deposit checks remotely - right from your desk! Pay your bills online Transfer funds Make ACH and wire transfers Set up customized access for each authorized employee user Chat online with a Randolph Savings Bank customer service representative during call center hours Correspond securely with a Randolph Savings Bank customer service representative about your accounts Business Credit Cards Randolph Savings Bank has teamed up with Elan Financial Services to bring you Visa Business credit cards that come with a variety of important business features. We offer the following types of cards: Business Bonus Rewards and Cash Rewards Cards Non Profit Cards Payroll Services Free yourself to focus on the growth and management of your business. We work with Sage, a leading provider of payroll services that helps small- and medium-sized companies succeed with a suite of services that includes payroll, tax filing, HR data management, time & attendance, workers compensation and other employee management services and solutions. Merchant Services The more types of payments you accept, the more you will increase sales, cut losses, broaden your customer base and turn up your cash flow. Randolph has partnered with East Commerce Solutions, Inc. to provide you with credit card transaction processing services. Whatever type of business you have, a customized merchant services package that best suits your business needs can be created for you. Other Business Services: Options for Excess Cash Domestic & Foreign Wire Transfers Coin & Currency Services Night Depository Service Working Capital Lines of Credit & Fixed Term Loans Direct Deposit Pre-Authorized Payments Small Business Debit Cards Overdraft Protection To enroll in any of our business services, please call

15 CASH MANAGEMENT MADE EASY You want business solutions that work - and Randolph Savings Bank has business checking and savings accounts that fit the bill, accounts for businesses of all sizes, accounts that allow you to efficiently manage your business s cash flow, day after day. Free Business Checking If you re a small business with limited transaction and deposit activity, this is the perfect solution for you. No monthly maintenance fee and up to 500 transactions per month free of charge. IN THE TIME IT TAKES TO BREW A POT, RANDOLPH CAN FINANCE YOUR PROJECT. JUST GIVE US 15 MINUTES! SCHEDULE AN APPOINTMENT TODAY. Minimum Balance Transaction Details and s A Free Business Checking account is for small business owners with limited transaction and deposit activity Up to 500 free transactions per month. Transactions include: Checks paid, deposits, items in a deposit, ACH debits and credits, as well as other miscellaneous debits and credits in account activity. s assessed once the 500 transaction threshold is exceeded include: $0.25 per check paid $0.25 per deposit $0.25 per item in a deposit Free telephone banking Free Basic Online Banking FDIC and DIF insurance coverage Direct Deposit Wire Transfers Night Deposits Pre-Authorized Payments Coin and Currency Services Merchant Card Processing Business Debit/ATM Card ATM - $ Limit per business day Debit - $1, Limit per business day SIG (run as credit signature required) - $2, per business day Please refer to the enclosed booklet for full disclosure information

16 Commercial Business Checking For businesses that maintain a higher average balance and have larger transaction volumes, we suggest our Commercial Checking Account. The monthly earnings credit this account provides can offset monthly maintenance and transaction fees. OTHER GREAT PRODUCTS FOR BUSINESS CUSTOMERS: Business Money Market Account Earn interest while maintaining full access to your funds. With this tiered money market account, the more you save, the more you earn. Minimum Balance Transaction Details and s This Commercial Checking account is ideal for businesses that maintain a higher average balance and have larger transaction volumes. $12 Transaction fees include: $0.20 per check paid $1.00 per deposit $0.10 per item in a deposit $0.25 earnings credit There is an Earnings Credit of $0.25 per 0.00 collected average balance. This earning credit is an adjustment factor that is used to reduce the total amount of service charges assessed on a Commercial Checking account. Free Basic Online Banking FDIC and DIF insurance coverage Direct Deposit Wire Transfers Night Deposits Pre-Authorized Payments Coin and Currency Services Merchant Card Processing Business Debit/ATM Card ATM - $ Limit per business day Debit - $1, Limit per business day SIG (run as credit signature required) - $2, per business day Certificate of Deposit Products (CDs) With a wide range of terms and interest rates, CDs from Randolph Savings Bank are flexible to satisfy your savings objectives, whatever they may be. Simplified Employee Pension (SEP) IRA A retirement plan for businesses or self-employed individuals, an SEP is a retirement option that gives employers a method for providing for retirement without the complexities of a qualified plan. Business Loans Rely on Randolph Savings Bank to help you develop the financial strategies you need to exceed your goals. We re committed to building long term relationships with our commercial clients. With local management and local decision making, we re nimble enough to customize solutions to meet your needs, whatever they may be. Construction Lending Commercial Real Estate Mortgages Equipment Term Loans Business Term Loans Business Lines of Credit Letters of Credit For more information on our business solutions, call (877) or stop into a branch today. Please refer to the enclosed booklet for full disclosure information. 28

17 LOCATIONS, HOURS, AND ATMS BLUE: FFSB OFFICES/ATMS BECOMING RSB BOSTON OFFICE 19 School Street Boston, MA Lobby Hours P M-W 8:30-4:00 Th 8:30-6:00 ATM F 8:30-5:00 RANDOLPH MAIN OFFICE 129 North Main Street Randolph, MA P F DRIVE-UP, ATM, SAFE DEPOSIT, NIGHT DEPOSIT COBB CORNER OFFICE 87 Sharon Street Stoughton, MA P F DRIVE-UP, ATM, NIGHT DEPOSIT Lobby Hours M-W 8:30-4:00 Th-F 8:30-6:00 Lobby Hours M-W 8:30-4:00 Th-F 8:30-6:00 ORANGE: RSB OFFICES/ATMS Check out our expanded hours! Drive-Up Hours M-W 7:30-5:00 Th-F 7:30-6:00 Drive-Up Hours M-W 7:30-5:00 Th-F 7:30-6:00 STOUGHTON OFFICE 15 Pleasant Street Stoughton, MA P F DRIVE-UP, ATM, SAFE DEPOSIT, NIGHT DEPOSIT MORTGAGE LENDING CENTER, EMERALD SQUARE MALL 999 S Washington St North Attleboro, MA Lobby Hours P M-F 8:00-6:00 F LENDING CENTER ONLY Lobby Hours M-W 8:30-4:00 Th-F 8:30-6:00 LENDING CENTER & CORPORATE HEADQUARTERS 10 Cabot Place Stoughton, MA Lobby Hours P M-F 8:00-5:00 24-HOUR ATM, LENDING CENTER Drive-Up Hours M-W 7:30-5:00 Th-F 7:30-6:00 HOLBROOK OFFICE 50 South Franklin Street Holbrook, MA P F DRIVE-UP, ATM, NIGHT DEPOSIT Lobby Hours M-W 8:30-4:00 Th-F 8:30-6:00 Drive-Up Hours M-W 7:30-5:00 Th-F 7:30-6:00 MORTGAGE LENDING CENTER, ANDOVER 100 Brickstone Square Andover, MA Office Hours P M-F 8:30-5:00 LENDING CENTER ONLY NORTH RANDOLPH OFFICE 1125 North Main Street Randolph, MA P F Lobby Hours M-W 8:30-4:00 Th-F 8:30-6:00 Drive-Up Hours M-W 7:30-5:00 Th-F 7:30-6:00 MORTGAGE LENDING CENTER, LEOMINSTER 20 Main Street, Suite 2B Leominster, MA Office Hours P M-F 8:30-5:00 LENDING CENTER ONLY DRIVE-UP, ATM, NIGHT DEPOSIT 30 31

18 MORTGAGE LENDING CENTER, MILLBURY ATMS 110 Elm Street Millbury, MA P Office Hours M-F 8:30-5:00 Stoughton Town Spa 1119 Washington St. Stoughton, MA Springdale Variety 489 Bolivar St. Canton, MA Page s Foodmart 458 Pearl St. Stoughton, MA LENDING CENTER ONLY Bob s Food Mart The Country Store Ikea MORTGAGE LENDING CENTER, MILFORD 130 Cedar Street Milford, MA Office Hours P M-F 8:30-5: Park St. Stoughton, MA 212 North St. Foxboro, MA 1 Ikea Way Stoughton, MA LENDING CENTER ONLY MORTGAGE LENDING CENTER, WESTPORT 875 State Road (Rte. 6) Westport, MA Office Hours P M-F 8:30-5:00 LENDING CENTER ONLY MORTGAGE LENDING CENTER, PLYMOUTH 225 Water Street, Suite B-126 Plymouth, MA Office Hours P M-F 8:30-5:00 LENDING CENTER ONLY MORTGAGE LENDING CENTER, BRAINTREE 150 Wood Road, Suite 402 Braintree, MA Office Hours P M-F 8:30-5:00 LENDING CENTER ONLY MORTGAGE LENDING CENTER, BEDFORD 167 South River Road, Unit 1 Bedford, NH Office Hours P M-F 8:30-5:00 LENDING CENTER ONLY 32

19 10 Cabot Place Stoughton, MA randolphsavings.com