*Annual Percentage Rate (APR) as of 5/15/2026 and subject to change without notice and based on owner-occupied purchase-money transactions including new home purchases for Massachusetts properties located in the cities of Arlington, Belmont, Cambridge, Chelsea, Everett, Lexington, Lynn, Malden, Medford, Newton, Revere, Saugus, Somerville, Waltham, Watertown, Winchester, Woburn, Bedford, Billerica, Burlington, Carlisle, Charlestown, Concord, Lincoln, Lynnfield, Melrose, Nahant, Natick, Needham, North Reading, Reading, Stoneham, Sudbury, Wakefield, Wayland, Wellesley, Weston, Wilmington, and Winthrop only. Minimum down payment of 5% required. Down payments less than 20% (including condominiums) require mortgage insurance. Homeowner’s Insurance is required. APR and payment example is based on 20% down. Payment example: based on a $832,751.00 mortgage, 360 monthly principal and interest payments of $4,859.71 (30-year amortization). Payment example does not include taxes, insurance, or amounts for any required mortgage insurance. The actual payment obligation will be higher. Loan limit applies to single-family properties only. Jumbo home mortgages are those that exceed the limits established by the Federal Housing Finance Agency (FHFA). All loans are subject to credit and property approval. Other restrictions may apply. Bank’s NMLS ID #441396.

**Annual Percentage Rate (APR) as of 5/15/2026 and subject to change without notice and based on owner-occupied purchase-money transactions including new home purchases and refinances for Massachusetts properties located in the cities of Arlington, Belmont, Cambridge, Chelsea, Everett, Lexington, Lynn, Malden, Medford, Newton, Revere, Saugus, Somerville, Waltham, Watertown, Winchester, Woburn, Bedford, Billerica, Burlington, Carlisle, Charlestown, Concord, Lincoln, Lynnfield, Melrose, Nahant, Natick, Needham, North Reading, Reading, Stoneham, Sudbury, Wakefield, Wayland, Wellesley, Weston, Wilmington, and Winthrop only. Minimum down payment of 5% required. Down payments less than 20% (including condominiums) require mortgage insurance. Homeowner’s Insurance is required. APR and payment example is based on 20% down. Payment example: based on a $450,000.00 mortgage, 360 monthly principal and interest payments of $2,734.25 (30-year amortization). Payment example does not include taxes, insurance, or amounts for any required mortgage insurance. The actual payment obligation will be higher. All loans are subject to credit and property approval. Other restrictions may apply. Bank’s NMLS ID #441396.

***Annual Percentage Rate (APR) as of 5/15/2026 and subject to change without notice and based on owner-occupied purchase-money transactions including new home purchases and refinances for Massachusetts properties located in the cities of Arlington, Belmont, Cambridge, Chelsea, Everett, Lexington, Lynn, Malden, Medford, Newton, Revere, Saugus, Somerville, Waltham, Watertown, Winchester, Woburn, Bedford, Billerica, Burlington, Carlisle, Charlestown, Concord, Lincoln, Lynnfield, Melrose, Nahant, Natick, Needham, North Reading, Reading, Stoneham, Sudbury, Wakefield, Wayland, Wellesley, Weston, Wilmington, and Winthrop only. Minimum down payment of 5% required. Down payments less than 20% (including condominiums) require mortgage insurance. Home Owner’s Insurance is required. APR and payment example is based on 20% down payment. Payment examples do not include taxes, insurance, or amounts for any required mortgage insurance, and the actual payment obligation will be higher. (5/6mo) Payment example: for a $450,000 mortgage, 60 monthly principal and interest payments of $2,555.05. Based on a 30-year amortization, the new monthly principal and interest payments would be as follows: $3,347 in year six, $3,908 in year seven and for the remaining term of the loan. The interest rate will remain fixed for the first five years and can change every 6 m onths after that. The first adjustment cannot exceed +/- 2%, and subsequent adjustments cannot exceed +/- 1%. There is a lifetime change cap of 5% on the loan (10.500%). The index is the Secured Overnight Financing Rate (1-month “SOFR”) as published by the Federal Reserve Bank of New York. The Bank’s margin is 2.75%. All loans are subject to credit approval. Bank NMLS ID #441396.