Products and Services Guide

Products and Services Guide

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. Member FDIC Member DIF

TABLE OF CONTENTS FAQs 2 On the Go, Wherever You Go (Personal Convenience Features) 4 Meet the RSB Account Lineup (Personal Account Details) 10 Take Care of Business (Business Convenience Features) 22 Cash Management Made Easy (Business Account Details) 24 Office Locations 28

FAQS Will my loan account number change? Yes. Randolph Savings Bank loan account numbers are ten digits. Your old account number will now be prefaced by a 4 and the appropriate number of leading zeros (between 0-5) to make it a ten digit account number. When should I update my bill payment account to reflect the new account number? On or after August 7 at 8 AM, you should update your bill pay account to reflect the new mortgage loan account number. Will my monthly statement look the same? Beginning with your September bill, which will arrive in mid-august, you will notice slight differences to the layout of your bill. However, you will still see all pertinent information on your billing statement. I pay my mortgage by mail. Where should I mail my check? Please send your payment to: Randolph Savings Bank PO Box 354 Randolph, MA 02368 I have an automatic payment set up for my loan. Will that still work? Yes. If you have set up your loan payment to be paid automatically from another bank account on the same day every month, whether at the time of closing or through estatus Connect, your payment will continue to be made on the same day of the month without interruption. Please note: You will not be able to schedule one time payments through estatus Connect after July 31. You will need to go to randolphsavings.com to make one time payments after August 7. Will I be assessed a late fee for my August payment due to the conversion? If your August payment is normally made by mail or automatic payment between August 1 and August 3 you might see a slight delay in processing of your payment until the week of August 7 due to the system conversion. However, this will have no impact to the amount of interest you would have paid, your payment will not be considered late, no late fees will be assessed, and there will no negative impact to your credit. 2

Will my current estatus username and password work to see my loan online at randolphsavings.com? No. However, you can easily enroll in Online Banking at randolphsavings.com for access to your loan account. Please see page 4 for enrollment instructions. For a period of time you will still be able to log into to estatus Connect to view historical information. Does the Randolph Savings Bank Online Banking system have the same capabilities as the current system? Yes. While the system itself may look different, through Online Banking you ll have access to your statements, loan information, and up to 24 months of your payment history. You will also be able to use Online Banking to set up automatic transfers for future loan payments (see page 8 for instructions), open new deposit accounts, change your address, and securely chat online with Customer Service. If you have other Randolph Savings Bank accounts, you will be able to see all of your deposit and loan accounts in one convenient place. I chose to "go green" with First Federal Savings Bank and do not receive a paper statement today. Will this continue? We offer estatements as well as enotices to our customers. This enhanced service will provide you with convenient electronic delivery of your monthly bill and other important notifications. You will receive a paper bill in August and will then need to sign up for estatements. Instructions for enrollment can be found on page 5 of this guide. You can sign up anytime after August 7, though you will likely still receive a paper bill for the month of August. Where do I send my tax bill? You will no longer need to send us your tax bill. How many year-end statements will I be receiving? You will receive just one statement at year-end from Randolph Savings Bank. HAVE ADDITIONAL QUESTIONS? We're happy to help! Don't hesitate to call us at 877-963-2100 Monday Friday from 7:00am 7:00pm and Saturday from 8:00am 2:00pm with any additional questions you may have.

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! 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 Registering for Online Banking couldn't be easier! Visit our website at randolphsavings.com and locate the Online Banking login box in the lower right corner. Click REGISTER and follow the instructions. Please note: You will need your NEW loan account number to enroll in Online Banking (see page 2 of this guide for information on your new loan number). Once enrolled, you can make onetime payments or set up recurring loan payments through Online Banking. 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. 4

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. estatements FREE! Less clutter, more convenient - access your account statements online instead of getting a paper statement in the mail. HOW TO ENROLL IN ESTATEMENTS: If you have already enrolled in Online Banking: Login to your account and select ACCOUNTS from the main navigation. Next, select DOCUMENTS from the sub navigation. In order to receive estatements, you ll need to set up your account. 1. Open the PDF document to find the confirmation code. You ll enter that code in the box labeled CONFIRMATION CODE and then select I AGREE to accept the terms and conditions. 2. Select paper or estatements for each account and then click NEXT. 3. Finally, verify your subscriptions and click ENROLL. Once you ve set up your subscriptions, you ll easily be able to access your estatements and manage your statement subscriptions from the Documents tab. If you are not enrolled in Online Banking: Visit randolphsavings.com/loans and click on the ENROLL IN ESTATEMENTS FOR YOUR LOAN text link. 1. Click on ACCOUNT HOLDER ENROLLMENT, fill in the subsequent form and click SUBMIT. 2. Click the link to obtain the code in the PDF file and click I AGREE. 3. Select the account for which you would like estatements, click NEXT and then set up a username and password and click ENROLL to activate estatements. 5

Mobile Banking & Tablet Apps 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. 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. 6

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 877-963-2100. 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. 7

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 small fee will be assessed for each credit card transaction or each electronic payment from accounts held at other financial institutions. HOW TO SET UP YOUR PAYMENT: 1. Login to Online Banking and select the TRANSFERS option from the main navigation. 2. To create an Internal Transfer, complete the "Create A Transfer" section by selecting the account from which you d like to transfer funds and then select the account to which you would like to transfer funds. 3. Select the desired transfer date and click the REPEAT check box if you d like the transfer to be recurring. Enter the amount you d like to transfer and a description of the transaction and click PREVIEW. 4. To create an External Transfer from another Bank, click on "Launch External Transfer" and then "Add an Account." Please note: You can add only one account at a time. First time transfers (payments) may take up to three days to be credited, thereafter, the next business day. For recurring payments, we recommend scheduling your payment no later than the 12 th of the month to avoid late charges. 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 Cards 0000 0000 GOOD THRU GOOD THRU 01/19 1234 5678 9012 3456 SAMPLE A. SAMPLE 0000 01/19 0000 GOOD THRU 01/19 SAMPLE A. SAMPLE 5582 5678 9012 3456 SAMPLE A. SAMPLE GOOD THRU 01/19 SAMPLE A. SAMPLE SAMPLE A. SAMPLE 01/19 8

Have questions? We're happy to help! Don't hesitate to call us for instructions on enrolling in Online Banking, estatements, or setting up your transfers! CALL US: 877-963-2100 Monday Friday Saturday ONLINE: 7:00am 7:00pm 8:00am 2:00pm randolphsavings.com Or view our online tutorials 24/7 at randolphsavings.com/files/rsb-online_tutorials-pages.pdf STOP IN Visit any Randolph Savings Bank branch for more information or assistance. Go to randolphsavings.com/locations for locations and hours.

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. 10

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. Best for you if Minimum to open Interest Rate (APY)* Unlimited foreign ATM fee reimbursement 3 You want to be rewarded by earning interest on checking balances and waiving account fees $10 2.75% APY on balances from $10-25,000 Yes! Other Features No transaction limits Waived card activity fees 1 Free Debit card Free Online banking Free Bill pay Free Mobile banking Free Mobile deposit Monthly Maintenance Fee 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 $10 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 estatements. Apex Minimum Balance for APY Interest Rate APY * $10 25,000 2.75% 2.75% $25,000+ 0.01% 2.75 0.46% NOTE: Customers may have only one Apex Checking Account per tax-reporting owner. *Annual Percentage Yield as of 6/1/17. Rates may change after the account is opened. Fees may reduce earnings. For balances of $10 to $25,000 the rate is 2.75% APY if the account has all of the following transactions per statement cycle: 1) Direct deposits totaling $2,500 or more; 2) 10 POS Debit Card Transactions; 3) Enrolls in estatements. For balances in excess of $25,000 the blended APY could range from 2.75% to 0.46% depending on the balance of the account. If account does not meet the qualifying transactions for the 2.75% APY, the APY for the entire balance in the account will be 0.01%. See page 13 for checking account disclosures. 11

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. Best for you if Minimum to open Interest Rate (APY) Unlimited foreign ATM fee reimbursement 3 Other Features Monthly Maintenance Fee Additional Information You want an account that keeps up with your active lifestyle online, mobile, estatements, and free ATMs 3 $10 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 estatements for this account. Mailed paper statements are available for $4.00 for each statement. See page 13 for checking account disclosures. 12

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. Best for you if Minimum to open Interest Rate (APY) Unlimited foreign ATM fee reimbursement 3 Other Features Monthly Maintenance Fee You want an account with no service charge and no balance requirements $10 No No Unlimited check writing Free Debit card Free Online banking Free Bill pay Free Mobile banking Free Mobile deposit None CHECKING ACCOUNT DISCLOSURE INFORMATION Fees will apply for other services such as NSF/Overdraft fees, check orders and stop payments. Refer to our Fee 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 Fee 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. 13

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. Best for you if Minimum to open Interest Rate (APY) Minimum for APY Other Features Monthly Maintenance Fee Bonus Rate Requirements You d like to reach your savings goals faster with a high interest rate (RSB checking account required) $10 See rate chart below $10 Free Online banking Free estatements 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 None For balances of $10.00 to $15,000.00. 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 estatements. 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 * $10 15,000 0.95% 0.95% $15,000+ 0.10% 0.95 0.19% See page 15 for savings account disclosures. 14

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. Best for you if Minimum to open Interest Rate (APY) Minimum for APY Other Features Monthly Maintenance Fee You want a no-strings attached savings account that receives paper statements at no extra charge $10 0.10% $10 Free Online banking Free estatements 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 None SAVINGS ACCOUNT DISCLOSURE INFORMATION 1. 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 Fee. See our Fee Schedule. 2. For Apex checking accounts, active is defined as the customer must enroll in estatements 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. 15

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 $10 and there is no monthly service charge. Best for you if Minimum to open Interest Rate (APY) Minimum for APY Other Features Monthly Maintenance Fee You want a traditional interest-earning savings account that provides a passbook to easily track your transactions $10 0.10% $10 Balance cannot go below $10.00 24-hour access to account info via RSB touch tone banking Deposits insured in full by both FDIC and DIF None 16

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. Best for you if Minimum to open Interest Rate (APY) Minimum for APY Other Features Monthly Maintenance Fee You're looking for an automated means to save throughout the year to prepare for holiday shopping $10 0.10% $10 Free Online banking Free estatements 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 $10.00 None 17

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. Best for you if Minimum to open Interest Rate (APY) Minimum for APY Other Features Monthly Maintenance Fee You want a convenient way to save throughout the year for your vacation $10 0.10% $10 Free Online banking Free estatements 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 $10.00 None 18

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. Best for you if Minimum to open Interest Rate (APY) Minimum for APY Other Features Monthly Maintenance Fee 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 Free estatements Free Online Banking Limited check writing and/or ACH and Online banking transfer or withdrawal None Preferred Money Market Minimum Balance for APY Interest Rate APY * $10 24,999 0.10% 0.10% $25,000 49,999 0.20% 0.20% $50,000 99,999 0.50% 0.50% $100,000+ 0.75% 0.75% Money Market Minimum Balance for APY Interest Rate APY * $10 2,499 0.05% 0.05% $2,500+ 0.10% 0.10% *Rates may change after account is opened. Fees could reduce earnings. 19

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. Best for you if You want a secure way to grow interest on your funds Minimum to open Interest Rate (APY) Minimum for APY Other Features Monthly Maintenance Fee 6 Month CD: $2,500 Other Terms: $1,000 Refer to randolphsavings.com for CD rates and terms. 6 Month CD: $2,500 Other Terms: $1,000 Rate guaranteed for the life of the term None *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. 20

IRA Certificate of Deposit Products Randolph Savings Bank offers a variety of IRA Certificate of Deposit Accounts. Best for you if Minimum to open Interest Rate (APY) Minimum for APY Other Features Monthly Maintenance Fee You're looking for a secure way to grow your funds for retirement $500 Refer to randolphsavings.com for IRA CD rates and terms. $500 Various terms and rates available Rate guaranteed for the life of the term None *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.

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 22

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 877-963-2100.

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. IN THE TIME IT TAKES TO BREW A POT, RANDOLPH CAN FINANCE YOUR PROJECT. JUST GIVE US 15 MINUTES! SCHEDULE AN APPOINTMENT TODAY. 24

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. Best for you if Minimum Balance Monthly Maintenance Fee Transaction Details and Fees Other Features A Free Business Checking account is for small business owners with limited transaction and deposit activity None None 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. Fees 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 - $750.00 Limit per business day Debit - $1,500.00 Limit per business day SIG (run as credit signature required) - $2,500.00 per business day 25

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. Best for you if Minimum Balance Monthly Maintenance Fee Transaction Details and Fees Other Features This Commercial Checking account is ideal for businesses that maintain a higher average balance and have larger transaction volumes. None $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 $100.00 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 - $750.00 Limit per business day Debit - $1,500.00 Limit per business day SIG (run as credit signature required) - $2,500.00 per business day 26

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. 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) 963-2100 or stop into a branch today.

OFFICE LOCATIONS AND ATMS CORPORATE HEADQUARTERS & LENDING CENTER 10 Cabot Place Stoughton, MA 02072 P. 781-963-2100 24-HOUR ATM, LENDING CENTER RETAIL BANKING OFFICES BOSTON OFFICE 19 School Street Boston, MA 02108 P. 617-742-0570 ATM HOLBROOK OFFICE 50 South Franklin Street Holbrook, MA 02343 P. 781-963-2100 F. 781-961-7921 DRIVE-UP, ATM, NIGHT DEPOSIT RANDOLPH MAIN OFFICE 129 North Main Street Randolph, MA 02368 P. 781-963-2100 F. 781-961-7916 DRIVE-UP, ATM, SAFE DEPOSIT, NIGHT DEPOSIT COBB CORNER OFFICE 87 Sharon Street Stoughton, MA 02072 P. 781-963-2100 F. 781-341-6673 DRIVE-UP, ATM, NIGHT DEPOSIT NORTH RANDOLPH OFFICE 1125 North Main Street Randolph, MA 02368 P. 781-963-2100 F. 781-961-7933 DRIVE-UP, ATM, NIGHT DEPOSIT STOUGHTON OFFICE 15 Pleasant Street Stoughton, MA 02072 P. 781-963-2100 F. 781-341-6661 DRIVE-UP, ATM, SAFE DEPOSIT, NIGHT DEPOSIT 28

MORTGAGE LENDING CENTERS ANDOVER 100 Brickstone Square Andover, MA 01810 P. 978-749-3100 LENDING CENTER ONLY BEDFORD 167 South River Road, Unit 1 Bedford, NH 03110 P. 603-622-3017 LENDING CENTER ONLY BRAINTREE 150 Wood Road, Suite 402 Braintree, MA 02184 P. 617-379-6161 LENDING CENTER ONLY EMERALD SQUARE MALL 999 S Washington Street North Attleboro, MA 02760 P. 877-963-2100 F. 401-884-0796 LENDING CENTER ONLY LEOMINSTER 20 Main Street, Suite 2B Leominster, MA 01453 P. 978-537-5400 LENDING CENTER ONLY MILLBURY 110 Elm Street Millbury, MA 01527 P. 508-865-7686 LENDING CENTER ONLY MILFORD 130 Cedar Street Milford, MA 01757 P. 508-478-2282 LENDING CENTER ONLY PLYMOUTH 225 Water Street, Suite B-126 Plymouth, MA 02360 P. 508-732-6731 LENDING CENTER ONLY WESTPORT 875 State Road (Rte. 6) Westport, MA 02790 P. 508-678-1166 LENDING CENTER ONLY

10 Cabot Place Stoughton, MA 02072 randolphsavings.com 877-963-2100