MUTUALONE BANK

Personal Accounts. Personal Checking. Savings and Money Market. Certificates of Deposit & Retirement. Account Access. Personal Debit Card. Personal Online Banking. Personal Lending. Auto/Personal Loans.

ONLINE BANKING

Online Banking. We have made it easier than ever for our customers to access their accounts how they want and when they want, with Online Banking. Stay Informed. Of course, you can log in anytime to check your current balances, confirm a check has been deposited, find out if a check has cleared, as well as other “every day” banking

activities.

ONLINE BANKING SIGN UP Use one of the buttons below to get started. PERSONAL SIGN UP BUSINESS SIGN UP. If you have any questions, please call Client Services at (508) 820-4000. Next Steps

HOURS & LOCATIONS

Hours & Locations. Client Services – Telephone Support. (508) 820-4000. Monday – Friday: 8:30 am – 4:30 pm. Saturday: 9:00 am – Noon. Banking Offices – Temporary Hours. Due to the current increase in coronavirus activity in the area, we believe it is prudent

to reduce any

CONTACT - MUTUALONE

Signed up for Online Banking? Log In to access our Secure Message Center. Information sent through our Information Request Form is not secure. Time-sensitive requests or private information, such as account numbers, should not be sent through our Information Request Form. Please call (508) 820-4000 to speak with a personal banker.

CURRENT RATES

Our lobbies are now open If you are fully vaccinated you are not required to wear a face covering. Click for current hours.

MEET OUR TEAM

Call (508) 532 - 8305. Email Mike. Tyler Holman. Business Banking Specialist. Call (508) 532 - 8846. Email Tyler. Please note: Email is not secure. Time-sensitive requests or private information, such as account numbers, should not be sent through email. Please call (508) 820-4000 to speak with a CERTIFICATES OF DEPOSIT & RETIREMENT Certificates of Deposit & Retirement. You don’t have to suffer through the ups and downs of the market. Earn a guaranteed return over a specific period of time – a few months or a few years – no matter what happens on Wall Street. Click here to select your CD and open it online. Our 9 month Advantage CD has a unique feature: make MUTUALONE BANK PROMOTES WILLIAM EASTTY AND JOANNE PIZZIGNO MutualOne Bank Promotes William Eastty and Joanne Pizzigno. April 13, 2020. Mark R. Haranas, president and CEO of MutualOne Bank, has announced the promotion of two employees in lending and loan servicing. William Eastty of Norfolk was promoted from vice president to senior vice president, where he will continue to oversee the

Bank’s

DEPOSIT RATES

1. A penalty for early withdrawal may apply. 2. Maximum opening deposit $1,000,000. Statement only. 3. Balance in excess of $1,000,000 will earn a lower interest rate, for example, a balance of $1,250,000.00 will earn 0.37% APY. Online transactions only.

MUTUALONE BANK

Personal Accounts. Personal Checking. Savings and Money Market. Certificates of Deposit & Retirement. Account Access. Personal Debit Card. Personal Online Banking. Personal Lending. Auto/Personal Loans.

ONLINE BANKING

Online Banking. We have made it easier than ever for our customers to access their accounts how they want and when they want, with Online Banking. Stay Informed. Of course, you can log in anytime to check your current balances, confirm a check has been deposited, find out if a check has cleared, as well as other “every day” banking

activities.

ONLINE BANKING SIGN UP Use one of the buttons below to get started. PERSONAL SIGN UP BUSINESS SIGN UP. If you have any questions, please call Client Services at (508) 820-4000. Next Steps

HOURS & LOCATIONS

Hours & Locations. Client Services – Telephone Support. (508) 820-4000. Monday – Friday: 8:30 am – 4:30 pm. Saturday: 9:00 am – Noon. Banking Offices – Temporary Hours. Due to the current increase in coronavirus activity in the area, we believe it is prudent

to reduce any

CONTACT - MUTUALONE

Signed up for Online Banking? Log In to access our Secure Message Center. Information sent through our Information Request Form is not secure. Time-sensitive requests or private information, such as account numbers, should not be sent through our Information Request Form. Please call (508) 820-4000 to speak with a personal banker.

CURRENT RATES

Our lobbies are now open If you are fully vaccinated you are not required to wear a face covering. Click for current hours.

MEET OUR TEAM

Call (508) 532 - 8305. Email Mike. Tyler Holman. Business Banking Specialist. Call (508) 532 - 8846. Email Tyler. Please note: Email is not secure. Time-sensitive requests or private information, such as account numbers, should not be sent through email. Please call (508) 820-4000 to speak with a CERTIFICATES OF DEPOSIT & RETIREMENT Certificates of Deposit & Retirement. You don’t have to suffer through the ups and downs of the market. Earn a guaranteed return over a specific period of time – a few months or a few years – no matter what happens on Wall Street. Click here to select your CD and open it online. Our 9 month Advantage CD has a unique feature: make MUTUALONE BANK PROMOTES WILLIAM EASTTY AND JOANNE PIZZIGNO MutualOne Bank Promotes William Eastty and Joanne Pizzigno. April 13, 2020. Mark R. Haranas, president and CEO of MutualOne Bank, has announced the promotion of two employees in lending and loan servicing. William Eastty of Norfolk was promoted from vice president to senior vice president, where he will continue to oversee the

Bank’s

DEPOSIT RATES

1. A penalty for early withdrawal may apply. 2. Maximum opening deposit $1,000,000. Statement only. 3. Balance in excess of $1,000,000 will earn a lower interest rate, for example, a balance of $1,250,000.00 will earn 0.37% APY. Online transactions only.

OPEN AN ACCOUNT

Open a Checking Account Open a Savings or Money Market Account Open a Certificate of Deposit. Don’t forget If you are already using Online Banking, you can open a new account quickly and easily by logging in to your accounts. Here are a few other things you can do while on our website: Finish your online account opening. Sign up for Online

MEET OUR TEAM

Call (508) 532 - 8305. Email Mike. Tyler Holman. Business Banking Specialist. Call (508) 532 - 8846. Email Tyler. Please note: Email is not secure. Time-sensitive requests or private information, such as account numbers, should not be sent through email. Please call (508) 820-4000 to speak with a OUR STORY - MUTUALONE Our Story. MutualOne Bank is a Massachusetts state-chartered mutual bank originally formed in 1889 as Framingham Co-operative Bank. In 2012, when Framingham Co-operative Bank merged with Natick Federal Savings Bank, our name was changed to MutualOne Bank to reflect the union of two mutual banks into one new entity.

HOME EQUITY

The rates on our Home Equity Loans are fixed, providing fixed monthly payments over the entire term of the loan. If you have limited equity, ask about our 100% Equity Loan for up to $25,000. There are no closing costs unless the property is held in a trust. Our Home Equity Line has the flexibility of a revolving line, with a variable rate of MOBILE WALLETS & DIGITAL CARDS This will also deactivate your digital card. Then call (800) 264-5578, 24 hours a day, 7 days a week to report the incident. You should also review your account transaction history in Online or Mobile Banking. If you notice any suspicious activity, please contact us GET MORE. PAY NOTHING. With a Free Checking account from MutualOne Bank you Get More. Pay Nothing. It starts with an account that doesn’t make you keep a minimum balance, move your direct deposit, use your debit card a certain number of times, or sign up for eStatements. MORTGAGE PRE-QUALIFICATION Our lobbies are now open If you are fully vaccinated you are not required to wear a face covering. Click for current hours.

CAREERS - MUTUALONE

Careers. MutualOne Bank is a true community bank. We are dedicated to our customers, our community, and our employees. While our offices in Framingham and Natick create a small footprint, our nearly $1 billion in assets give us the resources to impact our local communities. It is our firm belief that our employees drive the success of the

TABLE OF CONTENTS

July 2020 6 • A term of 28 Days If you withdraw any principal before the maturity date, a penalty equal to 14 days interest will be imposed and charges to your account. WE CREATED A NEW CUSTOMER EXPERIENCE We created a new customer experience. We are excited to welcome customers to our renovated Concord Street office. The design celebrates and enhances the building’s contemporary architecture while introducing new, modern features including individual customer service desks and plenty of space for meeting with customers and

neighbors.

* Personal Menu

* Personal Accounts Menu

* Personal Checking

* Savings and Money Market * Certificates of Deposit & Retirement

* Students

* Account Access Menu * Personal Debit Card * Personal Online Banking * Additional Personal Services * Personal Lending Menu * Auto/Personal Loans

* Home Equity

* Home Financing

* Current Rates Menu

* Deposit Rates

* Auto/Personal Loan Rates

* Mortgage Rates

* Business Menu

* Business Accounts Menu * Business Checking & Savings * Account Management Services * Business Lending Menu * Commercial & Real Estate Loans

* Our Team Menu

* Meet Our Team

* Client Services Menu

* Contact Menu

* Contact Form

* Hours & Locations

* Important Numbers

* Rates Menu

* Deposit Rates

* Mortgage Rates

* Auto/Personal Loan Rates * Other Information Menu * Calculators & Links

* Deposit Insurance

* Disclosures & Fees * Frequently Asked Questions

* Forms & More

* About Menu

* About MutualOne Bank

Menu

* Our Story

* Newsroom

* Statement of Condition

* Community Support

* Careers

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MUTUALONE BANK

Personal and Business Banking

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* Personal

* Personal Accounts

* Personal Checking

* Savings and Money Market * Certificates of Deposit & Retirement

* Students

* Account Access

* Personal Debit Card * Personal Online Banking * Additional Personal Services

* Personal Lending

* Auto/Personal Loans

* Home Equity

* Home Financing

* Current Rates

* Deposit Rates

* Auto/Personal Loan Rates

* Mortgage Rates

* Business

* Business Accounts

* Business Checking & Savings * Account Management Services

* Business Lending

* Commercial & Real Estate Loans

* Our Team

* Meet Our Team

* Client Services

* Contact

* Contact Form

* Hours & Locations

* Important Numbers

* Rates

* Deposit Rates

* Mortgage Rates

* Auto/Personal Loan Rates

* Other Information

* Calculators & Links

* Deposit Insurance

* Disclosures & Fees * Frequently Asked Questions

* Forms & More

* About

* About MutualOne Bank

* Our Story

* Newsroom

* Statement of Condition

* Community Support

* Careers

* Personal Menu

* Personal Accounts Menu

* Personal Checking

* Savings and Money Market * Certificates of Deposit & Retirement

* Students

* Account Access Menu * Personal Debit Card * Personal Online Banking * Additional Personal Services * Personal Lending Menu * Auto/Personal Loans

* Home Equity

* Home Financing

* Current Rates Menu

* Deposit Rates

* Auto/Personal Loan Rates

* Mortgage Rates

* Business Menu

* Business Accounts Menu * Business Checking & Savings * Account Management Services * Business Lending Menu * Commercial & Real Estate Loans

* Our Team Menu

* Meet Our Team

* Client Services Menu

* Contact Menu

* Contact Form

* Hours & Locations

* Important Numbers

* Rates Menu

* Deposit Rates

* Mortgage Rates

* Auto/Personal Loan Rates * Other Information Menu * Calculators & Links

* Deposit Insurance

* Disclosures & Fees * Frequently Asked Questions

* Forms & More

* About Menu

* About MutualOne Bank

Menu

* Our Story

* Newsroom

* Statement of Condition

* Community Support

* Careers

MUTUAL ONE BANK HOMEPAGE

*

GREAT RATES CLOSE TO HOME >

THE RATES

ARE OURS,

THE CHOICE

IS YOURS

*

YOU DESERVE

FREE CHECKING

70,000 free ATMs

and more

OPEN YOUR ACCOUNT >

*

BUSINESS

LOANS BUILT

TO YOUR

SPECIFICATIONS

WE WORK FOR YOU >

*

WE MAKE IT EASY

TO SAVE MORE

WHILE AT HOME

ONLINE SAVINGS ACCOUNT > Open Your Account Online WE’RE REMODELING OUR CONCORD STREET OFFICE. Check here for project updates.

BUSINESS SPOTLIGHT

Putting a New Shine on a Successful Business

NEWSROOM

*

MUTUALONE BANK’S CHARITABLE FOUNDATION $7,500 GRANT HELPS A PLACE TO TURN CLIENTS ‘EAT FRESH’

*

A WORLD FOR GOOD – BOYS & GIRLS CLUBS OF METROWEST

*

MUTUALONE BANK’S CHARITABLE FOUNDATION $10K AWARD SENDS YOUTH BACK TO SCHOOL, GRANTS HOLIDAY WISHES * Open your account online * Frequently Asked Questions * Check our current rates * Apply for a mortgage

* Community Support

FOOTER

MUTUALONE BANK

* Framingham | Natick * Phone: (508) 820-4000 * Routing: 211371816

MEMBER FDIC | SIF

* Your deposits are insured in full

CONTACT

* We Make It Easy to Bank Locally

* Hours & Locations

* Important Numbers

* Forms & More

QUICK LINKS

* Open an Account

* Online Mortgage Application * Online Banking Sign Up

* Accessibility

SECURITY

* Security Center

* Privacy Notice (pdf)

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