Common use of Amendments and Termination Clause in Contracts

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this agreement. Either you or we may close your account at any time for any reasonRules governing in interest rates are provided separately. If we doFor other changes, we will mail give you a reasonable notice and a check for in writing or by any other method permitted by law. We may close this account if your membership within the final balance less any applicable fees. Although we are not obligated tocredit union terminates, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be paiddishonored. When you close your account, you are responsible for leaving enough money in the account to cover any loss that occurs outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the check terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is returned notice to us for all of you. If we have notified you of a change in any reason (e.g.term of your account and you continue to have your account after the effective date of change, because it is counterfeityou have agreed to the new term(s). Our employees cannot promise In the event that checks drawn there is no owner who is a member with us on or issued by other institutionsan account, including cashier’s checks, you agree that we may close the account and issue a check for the balance of the funds in the account (as of the date at our election to close the account) to any remaining nonmember account owner. You will be paidreceive a statement and you agree that only one statement is necessary for a joint account. You agree that we your original check, when paid, becomes our property and may pay or reject a check which is presented not be returned to you, but copies may be retained by us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for paymentand made available upon your request. You agree that we statements are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit made available to you on the first business day after date they are mailed to you. You also agree that checks or copies thereof are made available to you on the day we receive date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your depositresponsibility to examine your statements or the time limit for notifying us of any errors. At that time, you may withdraw your funds in cash, The statement will be considered correct for all purposes and we will use the funds to pay checks that you have written. Funds from electronic direct deposits not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be available responsible for any forged, altered, unauthorized or unsigned items drawn on the day your account if you fail to notify us written or orally. If you provide us with an oral notice we received the deposit. Electronic funds transfers withdrawn from another financial institution will require that you initiated through Cambridge Trust Company may not be available until provide written confirmation within 10 days of the fourth business oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day after limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the date we received themtime you regularly receive a statement. The day of deposit is considered the day a deposit is received by a teller on a business day If we are open. Every day is required for any reason to reimburse the federal government for all or any portion of a business daybenefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except Saturdays, Sundays and as prohibited by law. We may also use any other legal holidays. Deposits made at ATMs after remedy to recover the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day amount of deposit will be considered the following business dayour liability.

Amendments and Termination. We may change our Personal these Rules and Business Banking Agreement and Disclosures Regulations and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) , whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. , We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from for electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. P.M. for all banking office branch locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA▇. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. P.M. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this agreement. Either you or we may close your account at any time for any reasonRules governing in interest rates are provided separately. If we doFor other changes, we will mail give you a reasonable notice and a check for in writing or by any other method permitted by law. We may close this account if your membership within the final balance less any applicable fees. Although we are not obligated tocredit union terminates, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be paiddishonored. When you close your account, you are responsible for leaving enough money in the account to cover any loss that occurs outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the check terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is returned notice to us for all of you. If we have notified you of a change in any reason (e.g.term of your account and you continue to have your account after the effective date of change, because it is counterfeityou have agreed to the new term(s). Our employees cannot promise In the event that checks drawn there is no owner who is a member with us on or issued by other institutionsan account, including cashier’s checks, you agree that we may close the account and issue a check for the balance of the funds in the account (as of the date at our election to close the account) to any remaining nonmember account owner. You will be paidreceive a statement and you agree that only one statement is necessary for a joint account. You agree that we your original check, when paid, becomes our property and may pay or reject a check which is presented not be returned to you, but copies may be retained by us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for paymentand made available upon your request. You agree that we statements are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit made available to you on the first business day after date they are mailed to you. You also agree that checks or copies thereof are made available to you on the day we receive date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your depositresponsibility to examine your statements or the time limit for notifying us of any errors. At that time, you may withdraw your funds in cash, The statement will be considered correct for all purposes and we will use the funds to pay checks that you have written. Funds from electronic direct deposits not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be available responsible for any forged, altered, unauthorized or unsigned items drawn on the day your account if you fail to notify us written or orally. If you provide us with an oral notice we received the deposit. Electronic funds transfers withdrawn from another financial institution will require that you initiated through Cambridge Trust Company may not be available until provide written confirmation within 10 days of the fourth business day after oral notice. If you provide us with a written notice we must receive it no later than 60 days of the date mailing date. This 60­day limitation is without regard to whether we received themused ordinary care. The day If you fail to receive a statement you agree to notify us within 14 days of deposit is considered the day time you regularly receive a deposit is received by a teller on a business day statement. If we are open. Every day is required for any reason to reimburse the federal government for all or any portion of a business daybenefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except Saturdays, Sundays and as prohibited by law. We may also use any other legal holidays. Deposits made at ATMs after remedy to recover the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day amount of deposit will be considered the following business dayour liability.

Amendments and Termination. Except when prohibited by applicable law, we may alter the terms of this agreement or our by-laws. You will be notified of any changes in terms, rates, or fees as required by law. We reserve the right to waive any part of this agreement without affecting our right to future enforcement. You are responsible for notifying us of any changes to your address or name. We are required only to attempt communication with you at the most recent address provided to us by you. We may accept oral notice of a change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or to your address, however, we may close require other notice from you to us. Any written notice given to us by you is effective upon us receiving it. Any written notice given to you by us is effective when it is mailed to you at your statement mailing address using the U.S. Mail. Notice given to any account owner however is considered given to all account owners. We reserve the right to terminate your account at any time for without notice to you or we may require you to close your account and open a new account if there is a change in account ownership or signers, if a forgery or fraud is reported or committed against your account, if there is doubt as to the ownership of an account or funds in an account, if any reasonshare drafts are lost or stolen, if there is no overdraft protection plan in place and there are numerous returned unpaid items on an account, if misrepresentation or any other form of abuse of an account has occurred or to prevent a loss to the credit union. If we do, we will mail you We may require the consent of all owners when terminating a notice and a check multiple party account. We are not responsible for the final balance less payment of any applicable fees. Although we are not obligated toitem after your account is terminated, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and however you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to reimburse us for any reason (e.g.paid item, because it is counterfeit). Our employees cannot promise that checks drawn on loss, cost or issued by other institutions, including cashier’s checks, will be paidexpense after such termination. You agree that we may pay be denied service or reject membership for any reason allowed by applicable law, to include causing a check which is presented loss to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for paymentcredit union. You agree that we are not required to identify stale dated checks or to seek may terminate your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received credit union membership by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business daygiving us written notice.

Amendments and Termination. We may change our Personal and Business Banking this Agreement and Disclosures and the Business Banking Fee Schedule at any timetime in any manner we decide, subject to applicable law. Either Changes to this Agreement may include deletions, additions, and modifications we make at our sole discretion. Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document. For other changes, we will give you reasonable notice in writing or we by any other method permitted by law. We may also suspend or close your this account at any time for any reasonand tender the account balance to you personally or by mail. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay Items or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility transactions presented for payment of after the itemaccount is closed may be dishonored. You should not use When you close your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paidaccount, you are responsible for leaving enough money in the account to cover any loss that occurs outstanding items or transactions to be paid from the account. We will attempt to provide you reasonable notice of the account hold or closure. However, in some cases it might be reasonable for us to give you notice after the hold or account closure becomes effective. For instance, if the check is returned we suspect fraudulent activity with respect to us for any reason (e.g.your account, because it is counterfeit). Our employees cannot promise that checks drawn on we might immediately freeze or issued by other institutions, including cashier’s checks, will be paidclose your account and then give you notice. You agree that to keep us informed of your current address at all times. Notice from us to any one of you is notice to all of you. If we may pay or reject have notified you of a check which is presented change to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs this Agreement and you continue to have your account after the expiration effective date of the change, you have agreed to the change. DETERMINING YOUR ACCOUNT BALANCE: Your account balance is your “current balance” (also commonly referred to as the ledger balance or actual balance). Your current balance is how much money is actually in your account at a stop payment orderparticular point in time. We normally do use the current balance method to determine whether your account has enough money to pay for an item or transaction. An item or transaction is only considered “paid” when money is transferred out of your account. Our approval of an item or transaction is not examine the same as the payment of an item or transaction. STATEMENTS: Statements are a valuable tool to help prevent fraudulent or mistaken transfers. Your statement will show the transactions that occurred in connection with your account during the statement period. Your statement will provide sufficient information for you to reasonably identify the items or transactions paid (item number, transaction, amount, and date on checks presented for of payment). You agree should keep a record of each item and transaction as it is made so that when we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to give you on the first business day after information in the day we receive your deposit. At that timestatement, you may withdraw your funds in cash, and we will use the funds to pay checks that you have writtena complete understanding of each transaction listed. Funds from electronic direct deposits to your ACCOUNT TRANSFER: This account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until transferred or assigned without our prior written consent. DIRECT DEPOSITS: If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the fourth business day after Federal Government for any reason, you authorize us to deduct the date we received them. The day amount of deposit is considered our liability to the day a deposit is received by a teller on a business day we are open. Every day is a business dayFederal Government from the account or from any other account you have with us, without prior notice and at any time, except Saturdays, Sundays and as prohibited by law. We may also use any other legal holidays. Deposits made at ATMs after remedy to recover the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day amount of deposit will be considered the following business dayour liability.

Amendments and Termination. We may change our Personal these Rules and Business Banking Agreement and Disclosures Regulations and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. 50 BUSINESS BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 51 Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. Except when prohibited by applicable law, we may alter the terms of this agreement or our by-laws. You will be notified of any changes in terms, rates, or fees as required by law. We reserve the right to waive any part of this agreement without affecting our right to future enforcement. You are responsible for notifying us of any changes to your address or name. We are required only to attempt communication with you at the most recent address provided to us by you. We may accept oral notice of a change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or to your address, however, we may close require other notice from you to us. Any written notice given to us by you is effective upon our receiving it. Any written notice given to you by us is effective when it is mailed to you at your statement mailing address using the U.S. Mail. Notice given to any account owner however is considered given to all account owners. We reserve the right to terminate your account at any time for without notice to you or we may require you to close your account and open a new account if there is a change in account ownership or signers if a forgery or fraud is reported, or committed against your account if there is doubt as to the ownership of an account or funds in an account, if any reasonchecks are lost or stolen, if there is no overdraft protection plan in place and there are numerous returned unpaid items on an account, if misrepresentation or any other form of abuse of an account has occurred or to prevent a loss to the credit union. If we do, we will mail you We may require the consent of all owners when terminating a notice and a check multiple-party account. We are not responsible for the final balance less payment of any applicable fees. Although we are not obligated toitem after your account is terminated, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notationhowever, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to reimburse us for any paid item, loss, cost, or expense after such termination. You may be denied service or membership for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued allowed by other institutionsapplicable law, including cashier’s checks, will be paidcausing a loss to the credit union. You agree that we may pay or reject a check which is presented to terminate your credit union membership by giving us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business daywritten notice.

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.001,000,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. ▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇-▇▇▇-▇▇▇▇ 59 You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 2 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 5 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.001,000,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 2 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 5 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and any term of this agreement. Rules governing changes in interest rates are provided separately in the Business Banking Fee Schedule at any timeTruth‐in‐Savings disclosure or in another document. Either you or we may close your account at any time for any reason. If we doFor other changes, we will mail give you a reasonable notice and a check for in writing or by any other method permitted by law. We may also close this account if your membership in the final balance less any applicable fees. Although we are not obligated tocredit union terminates, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be paiddishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity, or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s). We reserve the right to expel any member for non‐participation in the affairs of the credit union. “Non‐participation” is defined as a member’s failure to vote in the elections and failure to maintain any contact or conduct any business with us for a period of twelve (12) months. STATEMENTS Your Duty to Report Errors. You must examine your statement of account with "reasonable promptness." If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss that occurs with us or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the check is returned loss). The loss could be not only with respect to us items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer. DIRECT DEPOSITS. If we are required for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on to reimburse the federal government for all or issued by other institutions, including cashier’s checks, will be paid. You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration any portion of a stop benefit payment orderthat was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We normally do not examine may also use any other legal remedy to recover the date on checks presented for paymentamount of our liability. You agree that we are not required TEMPORARY ACCOUNT AGREEMENT. If this option is selected, this is a temporary account agreement. Each person who signs to identify stale dated checks open the account or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is has authority to make funds from your deposit available withdrawals (except as indicated to you the contrary) may transact business on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business daythis account.

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and any term of this agreement. Rules governing changes in interest rates are provided separately in the Business Banking Fee Schedule at any timeTruth‐in‐Savings disclosure or in another document. Either you or we may close your account at any time for any reason. If we doFor other changes, we will mail give you a reasonable notice and a check for in writing or by any other method permitted by law. We may also close this account if your membership in the final balance less any applicable fees. Although we are not obligated tocredit union terminates, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be paiddishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity, or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s). We reserve the right to expel any member for non‐participation in the affairs of the credit union. “Non‐participation” is defined as a member’s failure to vote in the elections and failure to maintain any contact or conduct any business with us for a period of twelve (12) months. STATEMENTS Your Duty to Report Errors. You must examine your statement of account with "reasonable promptness." If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss that occurs with us or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the check is returned loss). The loss could be not only with respect to us items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer. DIRECT DEPOSITS. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT. If this option is selected, this is a temporary account agreement. Each person who signs to open the account or has authority to make withdrawals (e.g.except as indicated to the contrary) may transact business on this account. However, because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. You agree that we may pay at some time in the future, restrict or reject prohibit further use of this account if you fail to comply with the requirements we have imposed within a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that reasonable time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this Agreement. Either you or we may close your account at any time for any reasonRules governing changes in interest rates are provided in a separate disclosure. If we doFor other changes, we will mail you a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment provide you notice of any amendment (except an amendment benefitting you) at least thirty (30) calendar days, or a longer period if required by law, before that amendment becomes effective by mailing you notice of the item. You should not use amendment to the last address shown on our records, by delivering the notice electronically if you have agreed to receive such notices electronically, by making the notice available with the periodic statement of your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason Account (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” checkas applicable), even if by posting notice of the presentation occurs after amendment in our offices, or by posting notice of the expiration of a stop payment order. We normally do not examine the date amendment on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇.▇▇▇ ATM 5:00 p.m. (or any subsequent official Bank website) or on the Bank's mobile banking platform (if applicable). You agree that it is your responsibility to review the website periodically for any amendments or a subsequent version. We may, but are not required to give you notice if the amendment will be to your benefit. If there is more than one Account owner, we may send the notice of amendment to only one of you. By continuing to maintain your Account, conducting a transaction or obtaining services or products relating to this Agreement or your Account after the amendment becomes effective, you agree to the amendment or subsequent version of this Agreement. No amendment of this Agreement is enforceable against us unless it is signed by the Bank's general counsel. No practice or course of dealing in connection with the Account which is at variance with this Agreement shall constitute a waiver, modification, or amendment of this Agreement. We may also close this Account at any time upon reasonable notice to you and tender the Account balance personally or by mail. We do not have to give you any notice before we close your Account. Items presented for payment after the Account is closed may be dishonored. When you close your Account, you are responsible for leaving enough money in the Account to cover any outstanding items to be paid from the Account. Reasonable notice depends on the circumstances. In some cases, such as when we cannot verify your identity, we suspect fraud, we receive conflicting instructions from persons authorized to transact on the Account, or when we are otherwise compelled by law it might be reasonable for us to give you notice after your Account is closed or otherwise frozen. Termination of the Account, whether by us or by you, does not relieve you of any obligation you may then owe us. We may accept deposits to the Account after it has been closed in order to collect any deficit balance, and such acceptance will not constitute reinstatement of the Account. We may (but do not have to) mail you a check for the available balance in your Account, or you may pick up a check for the available balance at our office. Written notice that the Account has been closed and a check, if any, may be sent to any address shown on our records for you, or if the Account is a joint Account, to any Account owner to whom we elect to send it. Once we have closed your Account, you agree that we can: • refuse to honor any checks you have written or any other items which are presented to us for payment after we have closed your Account; • refuse to act as your agent to try to collect any check you have deposited in your Account or otherwise, honor or pay any check you have deposited to your closed Account, or to accept any automated deposit to your Account; or • assess any service charge otherwise applicable against any remaining balance in your Account. We are not responsible to you for any damages you may suffer as a result of your Account being closed. If you attempt to make a deposit at any time on to an account we closed due to non-payment of an overdraft or otherwise, we may collect the deposit and setoff your indebtedness to us and collect a Saturday, Sunday or legal holiday, service charge from the day amount you deposited. Any funds in excess of deposit $1.00 will be considered returned to you. We reserve the following business dayright to refuse your request to close your Account, for various reasons, including, for example, if your Account is not in good standing. If you intend to close your Account, you should notify us. Simply reducing your Account balance to $0.00 is insufficient notice and may result in additional fees charged to your Account. If you close your Account, you are responsible for transactions you initiated or authorized, including those that we receive after the Account is closed.

Amendments and Termination. We may change any term of this Agreement. Rules governing changes in interest rates are provided in a separate disclosure. For other changes, we agree to provide you notice of any amendment (except an amendment benefitting you) at least thirty (30) days, or a longer period if required by law, before that amendment becomes effective by mailing you notice of the amendment to the last address shown on our Personal and Business Banking Agreement and Disclosures and records, by delivering the Business Banking Fee Schedule at notice electronically, including via email, by making the notice available with the periodic statement of your Account (as applicable), by posting notice of the amendment in a branch or other offices, or by posting notice of the amendment on ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇ (or any timesubsequent official Bank website) or on the Bank’s mobile banking platform (if applicable). Either You agree that it is your responsibility to review the Website periodically for any amendments or a subsequent version. We may, but are not required to give you or notice if the amendment will be to your benefit. If there is more than one Account owner, we may send the notice of amendment to only one of you. By continuing to maintain your Account, conducting a transaction or obtaining services or products relating to this Agreement or your Account after the amendment becomes effective, you agree to the amendment or subsequent version of this Agreement. No amendment of this Agreement is enforceable against us unless it is signed by the Bank’s general counsel. No practice or course of dealing in connection with the Account which is at variance with this Agreement shall constitute a waiver, modification, or amendment of this Agreement. We may also close your account this Account at any time for any reason. If We do not have to give you any notice before we do, we will mail you a notice and a check for the final balance less any applicable feesclose your Account. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility Items presented for payment of after the itemAccount is closed may be dishonored. You should not use When you close your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paidAccount, you are responsible for leaving enough money in the Account to cover any loss outstanding items to be paid from the Account. Reasonable notice depends on the circumstances. In some cases, such as when we cannot verify your identity, we suspect fraud, we receive conflicting instructions from persons authorized to transact on the Account, or when we are otherwise compelled by law it might be reasonable for us to give you notice after your Account is closed or otherwise frozen. Termination of the Account, whether by us or by you, does not relieve you of any obligation you may then owe us. We may accept deposits to the Account after it has been closed in order to collect any deficit balance, and such acceptance will not constitute reinstatement of the Account. We may (but do not have to) mail you a check for the available balance in your Account or send you the funds via a wire transfer or other method, or you may pick up a check for the available balance at our office. Written notice that occurs the Account has been closed and a check, if any, may be sent to any address shown on our records for you, or if the check Account is returned a joint Account, to us for any reason (e.g.Account owner to whom we elect to send it. Once we have closed your Account, because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. You you agree that we may pay can: • refuse to honor any checks you have written or reject a check any other items which is are presented to us for payment more than six months after its date (a “stale dated” check)we have closed your Account; • refuse to act as your agent to try to collect any check you have deposited in your Account or otherwise, even if the presentation occurs after the expiration of a stop payment orderhonor or pay any check you have deposited to your closed Account, or to accept any automated deposit to your Account; or • assess any service charge otherwise applicable against any remaining balance in your Account. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available responsible to you on the first business day after the day we receive your deposit. At that time, for any damages you may withdraw suffer as a result of your funds in cash, and we will use the funds to pay checks that you have writtenAccount being closed. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you attempt to make a deposit at any time on to an account we closed due to non-payment of an overdraft or otherwise, we may collect the deposit and setoff your indebtedness to us and collect a Saturday, Sunday or legal holiday, service charge from the day amount you deposited. Any funds in excess of deposit $1.00 will be considered returned to you. We reserve the following business dayright to refuse your request to close your Account, for various reasons, including, for example, if your Account is not in good standing. If you intend to close your Account, you should notify us. Simply reducing your Account balance to $0.00 is insufficient notice and may result in additional fees charged to your Account. If you close your Account, you are responsible for transactions you initiated or authorized, including those that we receive after the Account is closed.

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this agreement. Either Rules governing changes in interest rates have been provided separately. For other changes we will give you reasonable notice in writing or we by any other method permitted by law. We may also close your this account at any time for upon reasonable notice to you and tender of the account balance personally or by mail. Notice from us to any reasonone of you is notice to all of you. STATEMENTS - You must examine your statement of account with “reasonable promptness.” If we doyou discover (or reasonably should have discovered) any unauthorized payments or alterations, we will mail you a notice and a check for must promptly notify us of the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any formatrelevant facts. If you cash or deposit an item or write a check with such a notationfail to do either of these duties, you agree that it applies only between you and will have to either share the payee loss with us, or makerbear the loss entirely yourself (depending on whether we exercised ordinary care and, if not, whether we substantially contributed to the loss). The notation will have no effect loss could be not only with respect to items on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if statement but other items forged or altered by the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paidsame wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but that such time will not, in any circumstance, exceed a total of 30 days from when the statement is first made available to you. You further agree that if you fail to report any unauthorized signatures, alterations, forgeries or any other errors in your account within 60 days of when we make the statement available, you cannot assert a claim against us on any items in that statement, and the loss will be entirely yours. This 60 day limitation is without regard to whether we exercised ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section. DIRECT DEPOSITS - If, in connection with a direct deposit plan, we deposit any amount in this account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from this account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT - If this option is selected, we may pay restrict or reject prohibit further use of this account if you fail to comply with the requirements we have imposed within a check which is presented reasonable time. SET-OFF - You each agree that we may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt owed to us now or in the future, by any of you having the right of withdrawal, to the extent of such persons’ or legal entity’s right to withdraw. If the debt arises from a note, “any due and payable debt” includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for payment more than six months after its date which we properly accelerate under the note. This right of set-off does not apply to this account if: (a) it is an Individual Retirement Account or other tax-deferred retirement account, or (b) the debt is created by a “stale dated” check)consumer credit transaction under a credit card plan, even if or (c) the presentation occurs after the expiration debtor’s right of withdrawal arises only in a stop payment orderrepresentative capacity. We normally do will not examine be liable for the date on checks presented for paymentdishonor of any check when the dishonor occurs because we set off a debt against this account. You agree that we to hold us harmless from any claim arising as a result of our exercise of our right of set-off. AUTHORIZED SIGNER (Individual Accounts Only) - An authorized signer is someone you designate to conduct transactions on your behalf, but does not have any ownership or rights at death unless named as a Revocable Trust beneficiary. The designation of an authorized signer does not create a power of attorney; therefore, the authorized signer is not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 66; Decedents. Estates and Fiduciaries Code). RESTRICTIVE LEGENDS - We are not required to identify stale dated honor any restrictive legend on checks you write unless we have agreed to the restriction in a writing signed by one of our officers. Examples of restrictive legends are “must be presented within 90 days” or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time“not valid for more than $1,000.” Grantor: Eastern Industries, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Inc. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ Square▇▇▇▇, Cambridge▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, MA. • ▇▇ ▇▇▇▇▇ Lender: Team Capital Bank Bethlehem Office (▇▇▇)▇▇▇-▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a SaturdayBethlehem, Sunday or legal holiday, the day of deposit will be considered the following business day.PA 18020

Amendments and Termination. We may change our Personal these Rules and Business Banking Agreement and Disclosures Regulations and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) , whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. , We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from for electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth fifth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. P.M. for all banking office branch locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA▇. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. P.M. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this agreement. Either you or we may close your account at any time for any reasonRules governing changes in rates are provided separately. If we doFor other changes, we will mail give you a reasonable notice in writing or by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to you and a check for tender of the final account balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., personally STATEMENTS – You must examine your statement of account with “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any formatreasonable promptness”. If you cash discover (or deposit an item reasonably should have discovered) any unauthorized signatures or write a check with such a notationalterations, you agree that it applies only must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the payee loss with us, or makerbear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we contributed to the loss). The notation will have no effect loss could be not only with respect to items on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if statement but other items with unauthorized signatures or alterations by the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paidsame wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you. ACCOUNT TRANSFER – This account may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS – If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT – If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account. However, we may pay at some time in the future restrict or reject prohibit further use of this account if you fail to comply with the requirements we have imposed within a check which is presented to us for payment more than six months after its date reasonable time. RIGHT TO REPAYMENT OF INDEBTEDNESS – YOU EACH AGREE THAT WE MAY (a WITHOUT PRIOR NOTICE AND WHEN PERMITTED BY LAW) CHARGE AGAINST AND DEDUCT FROM THIS ACCOUNT ANY DUE AND PAYABLE DEBT OWED TO US NOW OR IN THE FUTURE, BY ANY OF YOU HAVING THE RIGHT OF WITHDRAWAL, TO THE EXTENT OF SUCH PERSONS’ OR LEAGL ENTITY’S RIGHT TO WITHDRAW. IF THE DEBT ARISES FROM A NOTE, “stale datedANY DUE AND PAYABLE DEBT” check)INCLUDES THE TOTAL AMOUNT OF WHICH WE ARE ENTITLED TO DEMAND PAYMENT UNDER THE TERMS OF THE NOTE AT THE TIME WE CHARGE THE ACCOUNT, even if the presentation occurs after the expiration of a stop payment orderINCLUDING ANY BALANCE THE DUE DATE FOR WHICH WE PROPERLY ACCELERATE UNDER THE NOTE. RESTRICTIVE LEGENDS – We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated honor any restrictive legend on checks you write unless we have agreed in writing to the restriction. Examples of restrictive legends are “must be presented within 90 days” or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may “not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. valid for all banking office locations, other more than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day$1,000.00”.

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this Agreement. Either you or we may close your account at any time for any reasonRules governing changes in interest rates are provided in a separate disclosure. If we doFor other changes, we will mail you a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment provide you notice of any amendment (except an amendment benefitting you) at least thirty (30) calendar days, or a longer period if required by law, before that amendment becomes effective by mailing you notice of the item. You should not use amendment to the last address shown on our records, by delivering the notice electronically if you have agreed to receive such notices electronically, by making the notice available with the periodic statement of your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason Account (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” checkas applicable), even if by posting notice of the presentation occurs after amendment in our offices, or by posting notice of the expiration of a stop payment order. We normally do not examine the date amendment on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇.▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇.▇▇▇ ATM 5:00 p.m. (or any subsequent official Bank website) or on the Bank's mobile banking platform (if applicable). You agree that it is your responsibility to review the website periodically for any amendments or a subsequent version. We may, but are not required to give you notice if the amendment will be to your benefit. If there is more than one Account owner, we may send the notice of amendment to only one of you. By continuing to maintain your Account, conducting a transaction or obtaining services or products relating to this Agreement or your Account after the amendment becomes effective, you agree to the amendment or subsequent version of this Agreement. No amendment of this Agreement is enforceable against us unless it is signed by the Bank's general counsel. No practice or course of dealing in connection with the Account which is at variance with this Agreement shall constitute a waiver, modification, or amendment of this Agreement. We may also close this Account at any time upon reasonable notice to you and tender the Account balance personally or by mail. We do not have to give you any notice before we close your Account. Items presented for payment after the Account is closed may be dishonored. When you close your Account, you are responsible for leaving enough money in the Account to cover any outstanding items to be paid from the Account. Reasonable notice depends on the circumstances. In some cases, such as when we cannot verify your identity, we suspect fraud, we receive conflicting instructions from persons authorized to transact on the Account, or when we are otherwise compelled by law it might be reasonable for us to give you notice after your Account is closed or otherwise frozen. Termination of the Account, whether by us or by you, does not relieve you of any obligation you may then owe us. We may accept deposits to the Account after it has been closed in order to collect any deficit balance, and such acceptance will not constitute reinstatement of the Account. We may (but do not have to) mail you a check for the available balance in your Account, or you may pick up a check for the available balance at our office. Written notice that the Account has been closed and a check, if any, may be sent to any address shown on our records for you, or if the Account is a joint Account, to any Account owner to whom we elect to send it. Once we have closed your Account, you agree that we can: • refuse to honor any checks you have written or any other items which are presented to us for payment after we have closed your Account; • refuse to act as your agent to try to collect any check you have deposited in your Account or otherwise, honor or pay any check you have deposited to your closed Account, or to accept any automated deposit to your Account; or • assess any service charge otherwise applicable against any remaining balance in your Account. We are not responsible to you for any damages you may suffer as a result of your Account being closed. If you attempt to make a deposit at any time on to an account we closed due to non-payment of an overdraft or otherwise, we may collect the deposit and setoff your indebtedness to us and collect a Saturday, Sunday or legal holiday, service charge from the day amount you deposited. Any funds in excess of deposit $1.00 will be considered returned to you. We reserve the following business dayright to refuse your request to close your Account, for various reasons, including, for example, if your Account is not in good standing. If you intend to close your Account, you should notify us. Simply reducing your Account balance to $0.00 is insufficient notice and may result in additional fees charged to your Account. If you close your Account, you are responsible for transactions you initiated or authorized, including those that we receive after the Account is closed.