Disclosures

Funds Availability

Your Ability to Withdraw Funds

Last Revision Date: July 1, 2025

This policy statement applies to all deposit accounts.

Our policy is to delay the availability of funds from your cash and check deposits. During the delay, you may not
withdraw the funds in cash and we will not use the funds to pay checks that you have written. Please remember that
even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for
checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

Determining The Availability Of A Deposit

The length of the delay is counted in business days from the day of your deposit. Every day is a business day except
Saturdays, Sundays, and federal holidays. If you make a deposit before the cut-off time on a business day that we are
open, we will consider that day to be the day of deposit. However, if you make a deposit after the cut-off time or on a
day we are not open, we will consider that the deposit was made on the next business day we are open. The time of
the day that we post the cut-off notice, if any, may vary by branch. In no event, however, will the cut-off time be earlier
than 2:00 P.M.

The length of the delay varies depending on the type of deposit and is explained below.

If you make a deposit at an ATM that is owned and operated by us before 2:00 P.M. on a business day that we are
open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 2:00 P.M.
or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If you make a deposit through our Remote Deposit Capture program before 5:00 P.M. on a business day that we are
open, we will consider that day to be the day of your deposit. However, if you make a deposit through our Remote
Deposit Capture program on or after 5:00 P.M. or on a business day that we are not open, we will consider that the
deposit was made on the next business day we are open.

If you make a deposit through our Leader Mobile Deposit program before 5:00 P.M. on a business day that we are
open, we will consider that day to be the day of your deposit. However, if you make a deposit through our Leader
Mobile Deposit program on or after 5:00 P.M. or on a business day that we are not open, we will consider that the
deposit was made on the next business day we are open.

Same-Day Availability.

Funds from the following deposits are available on the same day they are deposited:

Electronic direct deposits to your account
Wire transfers
Cash deposits made at the Bank's teller stations

Although Remote Deposit Capture and Leader Mobile Deposit programs utilize technology as a delivery method,
checks deposited through these services are processed in the same manner as a paper deposit you would make at a
branch or ATM and are NOT considered "electronic direct deposits" for purposes of funds availability.

Next-Day Availability.

Funds from the following deposits are available on the first (1st) business day after the day of your deposit:

Cash deposits made at the Bank's ATMs prior to 2:00 P.M.
Checks drawn on the Bank
U.S. Treasury Checks that are payable to you
Federal Reserve Bank Checks, Federal Home Loan Bank Checks, and U.S. Postal Service
Money Orders, if these items are payable to you
State and local government checks from the state in which the Bank is located
Cashier's, certified, treasurer's and teller's checks, including out of state checks that are payable
to you if you use a special deposit ticket available from our tellers
Checks deposited on a business day through our Leader Mobile Deposit program prior to
5:00 p.m.
Checks deposited on a business day through our Remote Deposit Capture program prior to
5:00 p.m.
All other local checks

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount
of funds that are already in your account. Those funds will be available at the time funds from the check we cashed
would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we
may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a
corresponding amount of funds that you have on deposit in another account with us. The funds in the other account
would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the
type of check that you deposited.

Longer Delays May Apply

Case by Case Delays: In some cases, we will not make all of the funds that you deposit by check available to you
according to the preceding schedule. Depending on the type of check that you deposit, funds may not be available until
the second business day after the day of your deposit. The first $275 of your deposits, however, will be available on the
first business day.

If we are not going to make all of the funds from your deposit available according to the preceding schedule, we will
notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is
not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will
mail you the notice by the first business day after we receive your deposit. If you need the funds right away you should
ask us when the funds will be made available.

Safeguard Exceptions: In addition to the case by case delays outlined above, funds you deposit by check may be
delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid.
You deposit checks totaling more than $6,725 on any one day
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly, or would have overdrawn your account if checks had been honored in the last six (6) months.
There is an emergency, such as failure of computer or communications equipment.

Unlike the case by case delays outlined above, the first $275 of your deposit held under a safeguard exception will not
be available on the first business day after your deposit. We will notify you if we delay your ability to withdraw funds for
any of these reasons, and we will tell you when the funds will be available. They will generally be available no later
than the seventh business day after the day of your deposit.

Special Rules For New Accounts

If you are a new client, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from
deposits of cash, wire transfers, and the first $6,725 of a day's total deposits of cashier's, certified, teller's, treasurer's,
travelers, and federal, state and local government checks will be available on the first business day after the day of
your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may
have to use a special deposit ticket). The excess over $6,725 will be available on the fourth business day after the day
of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our
employees, the first $6,725 may not be available until the second business day after the day of your deposit.

Funds from all other check deposits, whether made in person, at an ATM, by remote deposit capture or through leader
Mobile Deposit, will be available no later than the sixth business day after the day of your deposit to withdraw in cash
and pay checks you have written to others.

Deposits At Automated Teller Machines

Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate may
not be available until the fifth business day after the day of your deposit. This rule does not apply at ATMs that we own
or operate.

All ATMs that we own or operate are identified as our machines.

Foreign Items

If you deposit a check drawn on a bank outside the United States (including Canadian financial institutions) and not
payable through a U.S. branch or bank, we will make these funds available when we receive notification of payment.

Night Depository

Deposits received at a night depository are considered as received on the next business day.

Bank by Mail

Deposits received by mail are considered deposited on the business day that they are received at the Bank.

SBBP

Invest MA - Investing for the Loan Term Initiative

Effective January 2024, Leader Bank has become a proud participant in the Investing for the Long Term Initiative launched by the Massachusetts Department of Treasury. This program, also known as “Invest MA,” is the successor to the Small Business Banking Partnership and is a program between the Massachusetts-based banks and the state treasurer to ensure that Commonwealth funds are deposited in institutions to help local small business lending and spur job creation.

During Leader Bank’s participation in the Small Business Banking Partnership from April 2021 to December 2023, Leader Bank closed over 3,310 small business loans and lines of credit in Massachusetts, totaling more than $237.8 million in committed lending and helping save or create over 15,200 jobs in the Commonwealth. Under the new InvestMA program, Leader Bank originated 29 loans to eligible Massachusetts small businesses in 2024, representing nearly $6.2 million in committed lending and creating or saving 69 jobs. Leader Bank looks forward to continuing its commitment to local businesses and communities through the Invest MA program in the years to come.

Lender NMLS# 449250