THE COOPERATIVE BANK OF CAPE COD The Cooperative Bank of Cape Cod offers positively different financial services, including checking, savings accounts, personal loans, and

business loans.

ONLINE BANKING & BILL PAY The Cooperative Bank of Cape Cod offers online & mobile banking, bill pay & person to person payments, so you can spend more time doing the

things you love.

PERSONAL CHECKING ACCOUNTS Open a personal checking account with The Cooperative Bank of Cape Cod today & enjoy financial security. Offering online banking & high yield

checking.

PERSONAL, MORTGAGE & HOME LOANS At the Coop, we’re Cape Codders too, so whether you’re financing the purchase or construction of the home of your dreams or renovating your current home, you’ll get the knowledge of a local expert and the personal attention of a neighbor. ONLINE BANKING WITH BILL PAY Personal banking services with The Cooperative Bank of Cape Cod, MA. Contact us today to learn more about online banking with bill pay. THE COOPERATIVE BANK OF CAPE COD The Cooperative Bank of Cape Cod offers positively different financial services, including checking, savings accounts, personal loans, and

business loans.

ONLINE BANKING & BILL PAY The Cooperative Bank of Cape Cod offers online & mobile banking, bill pay & person to person payments, so you can spend more time doing the

things you love.

PERSONAL CHECKING ACCOUNTS Open a personal checking account with The Cooperative Bank of Cape Cod today & enjoy financial security. Offering online banking & high yield

checking.

PERSONAL, MORTGAGE & HOME LOANS At the Coop, we’re Cape Codders too, so whether you’re financing the purchase or construction of the home of your dreams or renovating your current home, you’ll get the knowledge of a local expert and the personal attention of a neighbor. ONLINE BANKING WITH BILL PAY Personal banking services with The Cooperative Bank of Cape Cod, MA. Contact us today to learn more about online banking with bill pay. PERSONAL CHECKING ACCOUNTS Open a personal checking account with The Cooperative Bank of Cape Cod today & enjoy financial security. Offering online banking & high yield

checking.

ONLINE BANKING WITH BILL PAY Life can be hectic. Running to the bank doesn’t always fit into your busy schedule. Fortunately, our secure online banking service makes it easy to access your accounts

CONSTRUCTION LOAN

Land and construction loans with The Cooperative Bank of Cape Cod. Contact us today to learn more about construction loan and land

financing.

LOCATIONS - COOPERATIVE BANK OF CAPE COD - MA A Note to Customers: We continue to follow state and local recommendations and adjust branch hours and safety protocols accordingly. Effective Tuesday, May 4th, all of our branch lobbies are open for in-person transactions. All branch drive-ups will continue to operate 8 a.m. to 4 p.m. Monday to Thursday; 8 a.m. to 5 p.m. Friday; and 8:30 a.m. to 2 p.m. Saturday (except North Falmouth).

INVESTMENT CENTER

Please Note: Standard email is not encrypted. For your protection, please do not include any personal non-public or account specific information in any email you send. Important Information: Investment and insurance products and services are offered through INFINEX INVESTMENTS, Inc. Member FINRA/SIPC.. Cape Cod Financial Services is a trade name of the bank. THE COOP FOUNDATION AWARDS $20,000 TO CAPE COD NONPROFITS The Cooperative Bank of Cape Cod Charitable Foundation Trust (The Coop Foundation) has announced the most recent round of grants for the final quarter of its fiscal year, awarding $20,000 in Foundation and Pandemic Relief micro grants. “We are pleased to award this round of grants that will directly benefit the lives of Cape Codders,” said Lisa Oliver, President, Chair, and CEO of The

MORTGAGE LOANS

Fixed Rate Mortgages. Offering a consistent payment for the life of the loan, our fixed rate loans are offered in various terms including “odd-terms”, meaning you can refinance to take out equity or lower your interest rate without extending the life of your mortgage. THE COOP FOUNDATION AWARDS $84,500 IN GRANTS, COVID-19 The Cooperative Bank of Cape Cod Charitable Foundation Trust is pleased to announce the distribution of more than $84,000 in grants to local organizations, including $17,500 in relief funds for those impacted by the Covid-19 pandemic. “As Cape Codders, we’ve weathered many storms over the years, but perhaps none as challenging as this one,” said

MARK LINEHAN

Mark Linehan brings over 35 years of Senior Management experience in financial services, and has served a variety of roles across accounting, finance, operations, compliance and investments. Mark’s previous roles include Executive President and Chief Financial Officer at Stoneham Bank and Senior Vice President and Chief Financial Officer at Bank of Cape Cod – a SCOTT KWARTA JOINS LEADERSHIP COUNCIL FOR BIG BROTHERS BIG Big Brothers Big Sisters of Cape Cod & the Islands (BBBSCCI) is pleased to welcome Scott Kwarta, Executive Vice President and Chief Risk Officer for The Cooperative Bank of Cape Cod, to their Cape & Islands Leadership Council to help further the agency’s mission. “We are extremely pleased that Scott will be joining our Leadership Council,” said JR Mell, Region Director for BBBSCCI. THE COOPERATIVE BANK OF CAPE COD The Cooperative Bank of Cape Cod offers positively different financial services, including checking, savings accounts, personal loans, and

business loans.

SBA PAYCHECK PROTECTION PROGRAM LOANS Loan proceeds are spent on eligible expenses (up to 40%) and payroll costs (up to 60%). Once the covered period has elapsed, please contact us at 508.568.1214 or SBALoanInquiries@mycapecodbank.com for your unique forgiveness application link to apply. Through the PPP program, we were privileged to be able to help over 1,400 businesses on the ONLINE BANKING & BILL PAY Electronic Banking. Electronic banking provides you access to your Coop accounts 24 hours a day, 7 days a week, 365 days a year, through desktop, tablet, or mobile devices. Below are links to more information on our electronic banking suite of products, including Online Banking With Bill Pay, Frequently Asked Questions, Mobile

Banking, Person

BUSINESS BANKING

Business banking with The Cooperative Bank of Cape Cod, MA. Contact us today to see what financial services we can provide for your business. CERTIFICATE OF DEPOSIT (CD) Rates effective June 1st, 2021. CapeLife Account Customers, add 15 basis points (.15%) to any of our CD offers below. May not be combined with any other offers. Certificates of Deposit. Minimum deposit of $ 500, term of 3 months. What You Get. Interest. 0.10 %. APY*. PERSONAL, MORTGAGE & HOME LOANS Every customer’s situation is different, and our team is ready to help you navigate your options. Please don’t wait to talk to us about your mortgage concerns. Contact us at 508.568.3400, ext. 3556; LoanServices@mycapecodbank.com, or via our online contact form. We’re here to help. PERSONAL LOAN RATES & MORTGAGE LOAN RATES * All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. THE COOP FOUNDATION AWARDS $20,000 TO CAPE COD NONPROFITS The Cooperative Bank of Cape Cod Charitable Foundation Trust (The Coop Foundation) has announced the most recent round of grants for the final quarter of its fiscal year, awarding $20,000 in Foundation and Pandemic Relief micro grants. “We are pleased to award this round of grants that will directly benefit the lives of Cape Codders,” said Lisa Oliver, President, Chair, and CEO of The SEND MONEY WITH ZELLE® TCBCC logo and Zelle logo Introducing Zelle® It’s a fast, safe and easy way to send money. Zelle is a convenient way to send money using your mobile banking app or online banking account. Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe, and easy way to send and

request money.

JENNIFER GRIVERS

Jennifer Grivers - Cooperative Bank of Cape Cod. Home » Meet Our Residential Mortgage Loan Officers » Jennifer Grivers. NMLS ID # 704341 jgrivers@mycapecodbank.com (617) 775-7542. THE COOPERATIVE BANK OF CAPE COD The Cooperative Bank of Cape Cod offers positively different financial services, including checking, savings accounts, personal loans, and

business loans.

SBA PAYCHECK PROTECTION PROGRAM LOANS Loan proceeds are spent on eligible expenses (up to 40%) and payroll costs (up to 60%). Once the covered period has elapsed, please contact us at 508.568.1214 or SBALoanInquiries@mycapecodbank.com for your unique forgiveness application link to apply. Through the PPP program, we were privileged to be able to help over 1,400 businesses on the ONLINE BANKING & BILL PAY Electronic Banking. Electronic banking provides you access to your Coop accounts 24 hours a day, 7 days a week, 365 days a year, through desktop, tablet, or mobile devices. Below are links to more information on our electronic banking suite of products, including Online Banking With Bill Pay, Frequently Asked Questions, Mobile

Banking, Person

BUSINESS BANKING

Business banking with The Cooperative Bank of Cape Cod, MA. Contact us today to see what financial services we can provide for your business. CERTIFICATE OF DEPOSIT (CD) Rates effective June 1st, 2021. CapeLife Account Customers, add 15 basis points (.15%) to any of our CD offers below. May not be combined with any other offers. Certificates of Deposit. Minimum deposit of $ 500, term of 3 months. What You Get. Interest. 0.10 %. APY*. PERSONAL, MORTGAGE & HOME LOANS Every customer’s situation is different, and our team is ready to help you navigate your options. Please don’t wait to talk to us about your mortgage concerns. Contact us at 508.568.3400, ext. 3556; LoanServices@mycapecodbank.com, or via our online contact form. We’re here to help. PERSONAL LOAN RATES & MORTGAGE LOAN RATES * All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. THE COOP FOUNDATION AWARDS $20,000 TO CAPE COD NONPROFITS The Cooperative Bank of Cape Cod Charitable Foundation Trust (The Coop Foundation) has announced the most recent round of grants for the final quarter of its fiscal year, awarding $20,000 in Foundation and Pandemic Relief micro grants. “We are pleased to award this round of grants that will directly benefit the lives of Cape Codders,” said Lisa Oliver, President, Chair, and CEO of The SEND MONEY WITH ZELLE® TCBCC logo and Zelle logo Introducing Zelle® It’s a fast, safe and easy way to send money. Zelle is a convenient way to send money using your mobile banking app or online banking account. Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe, and easy way to send and

request money.

JENNIFER GRIVERS

Jennifer Grivers - Cooperative Bank of Cape Cod. Home » Meet Our Residential Mortgage Loan Officers » Jennifer Grivers. NMLS ID # 704341 jgrivers@mycapecodbank.com (617) 775-7542. ONLINE BANKING & BILL PAY Electronic Banking. Electronic banking provides you access to your Coop accounts 24 hours a day, 7 days a week, 365 days a year, through desktop, tablet, or mobile devices. Below are links to more information on our electronic banking suite of products, including Online Banking With Bill Pay, Frequently Asked Questions, Mobile

Banking, Person

PERSONAL, MORTGAGE & HOME LOANS Every customer’s situation is different, and our team is ready to help you navigate your options. Please don’t wait to talk to us about your mortgage concerns. Contact us at 508.568.3400, ext. 3556; LoanServices@mycapecodbank.com, or via our online contact form. We’re here to help. 100 REASONS TO LOVE THE COOP! The Coop was founded on July 19, 1921 as a mutual community bank serving residents of the Cape and has remained true to that commitment for the past century. To celebrate our exciting anniversary, we’ve come up with 100 Reasons to Love The Coop with the help of our clients and employees. 100 Reasons to Love The Coop highlights what The Coop RESOURCES - COOPERATIVE BANK OF CAPE COD Resources - Cooperative Bank of Cape Cod. Home » Resources. In The News. Videos. 20 Minute Tuesdays. FAQs. HOME EQUITY LOANS AND HELOC Home Equity Loans. Designed to be in 1st- or 2nd-lien position, this fixed-rate loan allows you to take equity out of a home you already own. Put your home to work for you with a home equity loan through The Cooperative Bank of Cape Cod.

THE COOP FOUNDATION

The Cooperative Bank of Cape Cod Charitable Foundation Trust Overview: The mission of The Cooperative Bank of Cape Cod Charitable Foundation Trust (The Coop Foundation) is to cultivate vibrant and thriving communities. The Coop Foundation considers grant requests that enhance quality of life through programs and initiatives that meet the fundamental needs and challenges of

LISA J. OLIVER

Lisa Oliver brings over 30 years of financial services experience to her role as President and CEO of The Cooperative Bank of Cape Cod. As the 5th President in the Bank’s 99-year history, she’s the first woman to assume the role. In 2020, Oliver was appointed the Bank’s first Chair of Board of Directors. A

JONI TRAFICANTE

Joni Traficante. Joni joins The Coop with over 25 years in the banking industry. She has several years of experience as a lender on the South Shore and Plymouth, having worked for small and large commercial banks. Joni holds a B.A. in Marketing and Finance from the University of South Florida. She is also active in the community, serving on LISA OLIVER APPOINTED CHAIR OF THE BOARD AT THE COOP The Cooperative Bank of Cape Cod announced that Lisa Oliver, the Bank’s President and CEO, has been appointed Chair of the Board of Directors. Oliver is the first member of the Board to hold this designation in the Bank’s nearly 100-year history. BRUCE C. HARDING JR. Bruce C. Harding Jr. - Cooperative Bank of Cape Cod. Home » Meet Our Residential Mortgage Loan Officers » Bruce C. Harding Jr. NMLS ID # 1424332 bharding@mycapecodbank.com (774) 238-2968. THE COOPERATIVE BANK OF CAPE COD The Cooperative Bank of Cape Cod offers positively different financial services, including checking, savings accounts, personal loans, and

business loans.

ONLINE BANKING & BILL PAY Electronic Banking. Electronic banking provides you access to your Coop accounts 24 hours a day, 7 days a week, 365 days a year, through desktop, tablet, or mobile devices. Below are links to more information on our electronic banking suite of products, including Online Banking With Bill Pay, Frequently Asked Questions, Mobile

Banking, Person

ONLINE BANKING WITH BILL PAY Online Banking video. View our Personal Online Banking video tour. One Step Login –Simply choose either “Personal” or “Business” from the Login Box and you’ll be taken to the right place to enter both your User ID and Password on the same page. One Time Passcode – To enhance security and make it easier to login, you have a choice CERTIFICATE OF DEPOSIT (CD) Rates effective June 1st, 2021. CapeLife Account Customers, add 15 basis points (.15%) to any of our CD offers below. May not be combined with any other offers. Certificates of Deposit. Minimum deposit of $ 500, term of 3 months. What You Get. Interest. 0.10 %. APY*. PERSONAL, MORTGAGE & HOME LOANS Every customer’s situation is different, and our team is ready to help you navigate your options. Please don’t wait to talk to us about your mortgage concerns. Contact us at 508.568.3400, ext. 3556; LoanServices@mycapecodbank.com, or via our online contact form. We’re here to help. THE COOP FOUNDATION AWARDS $84,500 IN GRANTS, COVID-19 The Coop Foundation Awards $84,500 in Grants, Covid-19 Relief Funds. Posted on May 27, 2020. The Cooperative Bank of Cape Cod Charitable Foundation Trust is pleased to announce the distribution of more than $84,000 in grants to local organizations, including $17,500 in relief funds for those impacted by the Covid-19 pandemic.

MATTHEW P. BERRY

Matthew P. Berry - Cooperative Bank of Cape Cod. Home » Meet Our Residential Mortgage Loan Officers » Matthew P. Berry. NMLS ID # 1351257 mberry@mycapecodbank.com (508) 568-3442.

LEE ANN HESSE

Lee Ann Hesse joined The Cooperative Bank of Cape Cod in 2013 and is the Senior Vice President and Chief Engagement Officer. In this role she is responsible for the engagement of employees through oversight or all Human Resource functions; client engagement through marketing and public relations; and community engagement through oversight of the bank’s philanthropic programs.

MARTHA RAMSEY

Martha T. Ramsey grew up on Cape Cod and is a founding partner of Ramsey & Associates, an elder law firm located in Hyannis. She’s a graduate of Hood College and has a law degree from the University of Baltimore School of Law. In 1985, she began her career with the law firm of Sykes & Cole, before opening Ramsey & Associates in 1988. THE COOPERATIVE BANK OF CAPE COD WELCOMES LAUREN CONNOLLY January 2, 2018 (HYANNIS, MA) – The Cooperative Bank of Cape Cod is pleased to welcome Lauren Connolly as its new Recruitment and Human Resources Specialist. The position is new at the Bank and created to support the continued growth of the company. “Lauren comes to us with almost a decade of banking experience and THE COOPERATIVE BANK OF CAPE COD The Cooperative Bank of Cape Cod offers positively different financial services, including checking, savings accounts, personal loans, and

business loans.

ONLINE BANKING & BILL PAY Electronic Banking. Electronic banking provides you access to your Coop accounts 24 hours a day, 7 days a week, 365 days a year, through desktop, tablet, or mobile devices. Below are links to more information on our electronic banking suite of products, including Online Banking With Bill Pay, Frequently Asked Questions, Mobile

Banking, Person

ONLINE BANKING WITH BILL PAY Online Banking video. View our Personal Online Banking video tour. One Step Login –Simply choose either “Personal” or “Business” from the Login Box and you’ll be taken to the right place to enter both your User ID and Password on the same page. One Time Passcode – To enhance security and make it easier to login, you have a choice CERTIFICATE OF DEPOSIT (CD) Rates effective June 1st, 2021. CapeLife Account Customers, add 15 basis points (.15%) to any of our CD offers below. May not be combined with any other offers. Certificates of Deposit. Minimum deposit of $ 500, term of 3 months. What You Get. Interest. 0.10 %. APY*. PERSONAL, MORTGAGE & HOME LOANS Every customer’s situation is different, and our team is ready to help you navigate your options. Please don’t wait to talk to us about your mortgage concerns. Contact us at 508.568.3400, ext. 3556; LoanServices@mycapecodbank.com, or via our online contact form. We’re here to help. THE COOP FOUNDATION AWARDS $84,500 IN GRANTS, COVID-19 The Coop Foundation Awards $84,500 in Grants, Covid-19 Relief Funds. Posted on May 27, 2020. The Cooperative Bank of Cape Cod Charitable Foundation Trust is pleased to announce the distribution of more than $84,000 in grants to local organizations, including $17,500 in relief funds for those impacted by the Covid-19 pandemic.

MATTHEW P. BERRY

Matthew P. Berry - Cooperative Bank of Cape Cod. Home » Meet Our Residential Mortgage Loan Officers » Matthew P. Berry. NMLS ID # 1351257 mberry@mycapecodbank.com (508) 568-3442.

LEE ANN HESSE

Lee Ann Hesse joined The Cooperative Bank of Cape Cod in 2013 and is the Senior Vice President and Chief Engagement Officer. In this role she is responsible for the engagement of employees through oversight or all Human Resource functions; client engagement through marketing and public relations; and community engagement through oversight of the bank’s philanthropic programs.

MARTHA RAMSEY

Martha T. Ramsey grew up on Cape Cod and is a founding partner of Ramsey & Associates, an elder law firm located in Hyannis. She’s a graduate of Hood College and has a law degree from the University of Baltimore School of Law. In 1985, she began her career with the law firm of Sykes & Cole, before opening Ramsey & Associates in 1988. THE COOPERATIVE BANK OF CAPE COD WELCOMES LAUREN CONNOLLY January 2, 2018 (HYANNIS, MA) – The Cooperative Bank of Cape Cod is pleased to welcome Lauren Connolly as its new Recruitment and Human Resources Specialist. The position is new at the Bank and created to support the continued growth of the company. “Lauren comes to us with almost a decade of banking experience and PERSONAL CHECKING ACCOUNTS Personal Checking Accounts | The Cooperative Bank of Cape Cod. Home » Personal » Checking. Positively Free Checking A free account for everyone. Positively Direct Interest Checking Earn interest with the convenience of direct deposit or any automatic payment. Positively 50 Plus Interest Checking A great account for customers 50 and over. CORONAVIRUS: UPDATES FROM THE COOP Over the past few weeks, the Coronavirus (COVID-19) has quickly changed from a news story abroad to impacting people in our area. Our priority is the health and safety of our clients and our employees, and we are keeping informed from a variety of reputable sources, including the Center for Disease Control (CDC), to ensure that we are well positioned to do that.

BUSINESS BANKING

Business banking with The Cooperative Bank of Cape Cod, MA. Contact us today to see what financial services we can provide for your business. LOCATIONS - COOPERATIVE BANK OF CAPE COD - MA A Note to Customers: We continue to follow state and local recommendations and adjust branch hours and safety protocols accordingly. Effective Tuesday, May 4th, all of our branch lobbies are open for in-person transactions. All branch drive-ups will continue to operate 8 a.m. to 4 p.m. Monday to Thursday; 8 a.m. to 5 p.m. Friday; and 8:30 a.m. to 2 p.m. Saturday (except North Falmouth). HOME EQUITY LOANS AND HELOC Home Equity Loans. Designed to be in 1st- or 2nd-lien position, this fixed-rate loan allows you to take equity out of a home you already own. Put your home to work for you with a home equity loan through The Cooperative Bank of Cape Cod. THE COOP FOUNDATION AWARDS $20,000 TO CAPE COD NONPROFITS The Cooperative Bank of Cape Cod Charitable Foundation Trust (The Coop Foundation) has announced the most recent round of grants for the final quarter of its fiscal year, awarding $20,000 in Foundation and Pandemic Relief micro grants. “We are pleased to award this round of grants that will directly benefit the lives of Cape Codders,” said Lisa Oliver, President, Chair, and CEO of The

INVESTMENT CENTER

Serving the communities of: East Harwich, East Dennis, Hyannis, Falmouth and North Falmouth Call Bob Martin at 508.568.1250 or 800.641.1100, or email him directly rmartin@infinexgroup.com. Bob is available to meet with you at your convenience at his office in our Hyannis Branch or by appointment at a location convenient to you. Read

Bob’s Bio.

THE COOP FOUNDATION AWARDS $84,500 IN GRANTS, COVID-19 The Coop Foundation Awards $84,500 in Grants, Covid-19 Relief Funds. Posted on May 27, 2020. The Cooperative Bank of Cape Cod Charitable Foundation Trust is pleased to announce the distribution of more than $84,000 in grants to local organizations, including $17,500 in relief funds for those impacted by the Covid-19 pandemic.

CONSTRUCTION LOAN

Construction loans offer conventional and jumbo financing for primary and second homes. Down payments are from 5% to 30%, depending on the scope of your work. When construction is finished, the mortgage converts to a fully amortizing principal & interest loan. At the time of application, you can choose either a fixed-rate or adjustable rate

(ARM).

LISA OLIVER APPOINTED CHAIR OF THE BOARD AT THE COOP The Cooperative Bank of Cape Cod announced that Lisa Oliver, the Bank’s President and CEO, has been appointed Chair of the Board of Directors. Oliver is the first member of the Board to hold this designation in the Bank’s nearly 100-year history.

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Lisa J. Oliver

Chair of the Board, President and CEO A POSITIVELY DIFFERENT BANKING EXPERIENCE FROM CAPE CODDERS JUST LIKE YOU. Since 1921, we’ve been doing business on the Cape. Our board members and bank executives are Cape Codders. Our bankers know the Cape and understand this marketplace. Decisions are made right here on Cape Cod, not in Boston, Charlotte, Toronto, or Europe. If you need to talk with us, we’re here and we’re listening…from the CEO on down the line. With branches from Falmouth to Harwich, our team of local professionals provide a positively different approach to local banking for individuals, families, businesses, and municipalities. We welcome the opportunity to help you with your banking needs, and look forward to working with you. We think you’ll appreciate our positively

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