Effective June 5, 2017

Important information about the transition of your North Middlesex Savings Bank account(s) to Main Street Bank

Our merger with Marlborough Savings Bank has been official since April 1, 2017, and we’re excited to continue to help you with your banking as Main Street Bank! Our legal merger is complete but our systems still need to get on board, which will be finished as of June 5, 2017.

What does this mean for you?

We are combining banking systems so that all of our branches can completely service all customers. As a result, there will be changes to your accounts but we’re here for you! Our top priority is to make this transition as smooth as possible for you.

For your convenience and peace of mind, we’ve gathered together any changes or important questions you may have, and provided direct answers.

This insert is a guide to all the changes that will take place, and the impacts they may have on your current North Middlesex Savings Bank accounts.

A Great Start Together

Table of Contents

24/7 Toll-Free Customer Support . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Account Numbers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Routing Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

BankMainStreet .com — First Time Online Banking Login . . . . . . . 3

Quicken . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Account-to-Account Transfers in Online Banking . . . . . . . . . . . . . . 4

e-Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Online Bill Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

BankMainStreet .com — First time access to Bill Pay . . . . . . . . . . . 5

Loan Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Mobile Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Mobile Check Deposit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Telephone Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Debit/ATM Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7ATM Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Personal Deposit Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9CDs and IRAs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11CD Early Withdrawal Penalty . . . . . . . . . . . . . . . . . . . . . . . . . . .11

Other Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Checks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Passbooks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Safe Deposit Boxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Direct Deposit/ACH . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13Courtesy Overdraft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13Retail Summary of Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13

Business Deposit Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14Business Account Statements . . . . . . . . . . . . . . . . . . . . . . . . . .14Business Online Banking and Business Mobile Banking Services . . . . . . . . . . . . . . . . . . . . . .15New Cards and PINs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

North Middlesex Savings Bank Loans . . . . . . . . . . . . . . . . . . . . . . . .17Account Numbers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17Making Payments and Contacting Us . . . . . . . . . . . . . . . . . . . .17Home Equity Line of Credit Checks . . . . . . . . . . . . . . . . . . . . .17Escrow Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17Insurance Communication . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17Loan e-Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

Year End Reporting Information for All Accounts . . . . . . . . . . . . . .18IRS Forms 1098 and 1099 . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

Employees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

Locations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

KeyThis Key explains the significance of the smiley face and exclamation point icons you will find throughout the piece .

You will see the same icons in the enclosed Product Booklet .

– Take note! This is something you need to know.

– Good stuff! This is something you'll be glad to know.

Take note of a few minor changes on the following pages.

GIVE THIS BROCHURE extra attention! You'll find that much will stay the same, but some things may change for you, and you should be aware of those changes.

The enclosed Main Street Bank Product Booklet includes all the products and services we now offer to our customers, and also includes our new summary of fees . Our privacy statement and account disclosures can be found in the enclosed Terms and Conditions Booklet . Please use these documents as your first source to answer any questions you may have .

Contact us at 978-772-3306 and one of our Customer Service Representatives will be able to assist you. We know this change is big so lean on us.

Have more questions?

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24/7 Toll-Free Customer SupportFrom June 5, 2017, through August 31, 2017, you will have access to a 24/7 Toll-Free Customer Support number to help with any transitions after conversion . Please call 888-397-5229 during these months with questions about any account or service transition .

Account Numbers

No changes, no effort, no worries!

All existing deposit account numbers will remain the same after we convert our system . Your current mortgage and consumer loan account numbers won’t change either; however, you will see the account numbers followed by 00001 .

Routing NumberThe Main Street Bank routing number is 211370752, however you may continue to use our current routing number through May 2018 . Please use the new routing number when making any changes to direct deposits, ordering checks or making any changes to payroll deposits .

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Personal Online Banking

From now until June 1, 2017, please visit BankMainStreet .com, click the LOGIN button and log in to your Online Banking account under the “NMSB Online Banking” login box using your current username and password .

To ensure a smooth transition of your accounts, Online Banking will be in a read-only mode from 4:00 pm on June 1,

2017, to June 5, 2017 . On Monday, June 5, 2017, at 8:00 am, all Main Street Bank customers will be able to access their Online Banking at BankMainStreet .com through the LOGIN button on our home page .

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BankMainStreet.com — First Time Online Banking LoginBeginning on June 5, 2017, at 8:00 am, access your Online Banking at BankMainStreet .com with your current username, using all lowercase .

Your temporary password is the last 6 digits of your Social Security number . You will be prompted to change your password after your login . Your password must be alphanumeric, with a minimum of 8 characters and a maximum of 32 . Your password will be case-sensitive .

At your first-time login, you will be prompted to enter a one-time security code as part of the login process .

You can choose to receive a phone call to enter this one-time code over the phone, or you can choose to receive a text message with the one-time code if your mobile phone number is on file with us . Follow the prompts on the screen to complete this one-time security verification process .

Please update any bookmarks or favorites you have for Online Banking to BankMainStreet .com .

QuickenYou may continue to use Quicken for Consumer Online Banking, but access to QuickBooks™ is being discontinued for Consumer Online Banking . QuickBooks will be available for Business Online Banking only .

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Account-to-Account Transfers in Online BankingIf you have an internal automatic or internal recurring transfer(s) set up, they will migrate to our new system . External transfers or POP Money (will soon be called People Pay) will not migrate . You will need to re-establish these transactions after logging in on June 5, 2017 .

e-StatementsIf you are currently receiving e-Statements, you will be sent a paper statement for the period ending June 2, 2017 . That statement will not be available as an e-Statement .

If you are an existing Online Banking and e-Statement user, any e-Statements stored in your North Middlesex Savings Bank consumer Online Banking system will not be available after June 2, 2017 . Please download your past e-Statement history prior to this day so you have them on record. After this date, any e-Statements will only reflect transactions under the Main Street Bank system .

If you currently receive e-Statements from North Middlesex Savings Bank you will continue to receive e-Statements from Main Street Bank .

Please note that historic check images will not convert to the new system . The icon to view check images will be visible in the transaction history, however, will not be active until June 5, 2017 . If you need to obtain copies of any historic check images, please call us at 888-397-5229 .

Online Bill PaymentFrom now until June 1, 2017, please continue to use your current Bill Payment system . Starting May 19, 2017, we will no

longer be able to accommodate any new bill pay enrollments . If you currently have E-bills set up through your online bill payment, those will need to be re-established after June 5, 2017 .

This extended interruption is necessary for us to transition the Bill Pay service effectively . We recognize and apologize for any inconvenience and impact it may have on you .

BankMainStreet.com — First time access to Bill PayYou will access our Bill Pay system from the Bill Pay tab within Online Banking .

All bill payment payees will be migrated to the new system, which means you will not have to re-enter that information . You should see your existing payees as well as your scheduled and recurring payments .

Our new bill payment system works differently than our current system . With the current system, you enter the due date of the bill, and the system calculates when the payment needs to go out . Your account will be debited only after the merchant processes your payment . In our new system, you schedule the day you want the payment to be processed . Your account will be debited on the send on date . Before your payment is processed, we verify the balance of the funding account . If you do not have sufficient funds on the date your payment is scheduled (Send On Date) your payment may be delayed or canceled . You will see the “Send On” and “Deliver by” dates when selecting the dates you want the payment to occur . You will receive a confirmation message indicating that the payment has been scheduled .

You will access our Bill Pay system from the Bill Pay tab within Online Banking .

Loan PaymentsIf you are an existing North Middlesex Savings Bank loan customer and use Consumer Online Banking Bill Pay to pay your loan, you will see Main Street Bank appear as a new payee in your payee list . The Main Street Bank payee has been properly configured to ensure your payment arrives as quickly as possible .

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Mobile BankingYou may use our existing North Middlesex Savings Bank Mobile Banking app until June 1, 2017, at 3:00 pm . You will

be able to use the new Main Street Bank Mobile Banking app on Monday, June 5, 2017, at 8:00 am . To use the Mobile Banking app you must be an Online Banking user . To download the Main Street Bank Mobile Banking app, visit either the Apple Store® or Google Play™ and download the appropriate consumer or business app .

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc ., registered in the U .S . and other countries . App Store is a service mark of Apple Inc . Android is a trademark of Google Inc .

Mobile Check DepositYou may use our existing North Middlesex Savings Bank Mobile Banking app to make deposits until June 1, 2017, at 3:00 pm . You

will be able to use the new Main Street Bank Mobile Banking app on Monday, June 5, 2017, at 8:00 am .

All customers will have access to mobile deposits . Simply choose the check deposit option and follow the prompts . Our limits for mobile banking can be found on page 49 of the Product Booklet .

From the Main Street Bank Mobile Banking app, select the check deposit options and follow the prompts .

Telephone BankingYou may continue to use our Easy Access Info Line at 800-415-4004 until June 2, 2017, at 11:59 pm .

On June 5, 2017, at 8:00 am our new Telephone Banking line number will be 888-621-2299 .

To access information, enter your account number followed by your temporary PIN (last 4 digits of the primary account owner’s Social Security number) . You will be prompted to change your PIN .

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Debit/ATM CardsYour current North Middlesex Savings Bank Visa® Debit and ATM cards will be active until May 31, 2017, at 11:59 pm . Effective June 1, 2017, your North Middlesex Savings Bank Visa Debit or ATM card will be deactivated . For security purposes, please destroy these cards .

Any active card holder (with card activity in the past 12 months) will receive a new Main Street Bank Debit MasterCard® or Main Street Bank ATM card and PIN mailed separately during the week of May 21, 2017 . Your new Main Street Bank Debit MasterCard has the enhanced EMV chip technology . These cards will replace your existing North Middlesex Savings Bank cards .

MasterCard® is a registered trademark of MasterCard International Inc . Visa® is a trademark owned by Visa International Service Association and used under license .

Your new Main Street Bank ATM card will not allow Point of Sale (POS) transactions . If you wish to make POS transactions, please let us know and we will issue you a Main Street Bank Debit MasterCard .

On June 1, 2017, you will need to activate your new Main Street Bank Debit MasterCard . To activate, perform a pinned transaction at any merchant or ATM or call 888-621-2299 and follow the prompts .

Your new Main Street Bank card limits:

• ATM Card Cash Withdrawal: $800• Debit Card Cash Withdrawal: $800• PIN Debit Purchase: $1,500• Signature Credit Purchase: $1,500

Your new cards will have a new card number and expiration date . If you have used your North Middlesex Savings Bank Visa Debit card for automatic payments, you will need to update the card information with your new card number and expiration date with these merchants . Examples of automatic payment are gym memberships, subscriptions, etc .

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ATM Transactions

Beginning May 30, 2017, we are discontinuing the ability to make deposits at ATMs not maintained by Main Street Bank using your Main Street Bank card . However, you can always deposit checks using your Mobile Banking app .

ATM Availability during conversion weekendOur ATMs may be unavailable intermittently from June 1, 2017, to June 5, 2017 . Please plan accordingly .

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Personal Deposit AccountsYour current North Middlesex Savings Bank account will be converted to a Main Street Bank account on Monday, June 5, 2017 . We have reviewed all our products and services, and have selected products that provide you with the same, or similar benefits of the products you have today . The new products that your North Middlesex Savings Bank account will transition to were selected as a ‘best match’ product . You can learn more about these new products beginning on page 11 of the Product Booklet .

If your North Middlesex Savings Bank Personal Checking Account is:

Your new Main Street Bank Account will be:

Easy MAX CheckingKasasa Cash

MAX Checking

Easy Start Student Checking Kasasa Cash Back

Simply Free NOWFree Checking

Bank At Work Simply Free Checking

Easy Does It NOWInterest Checking

Personal NOW

18/65 Easy Does It NOW

18/65 Interest Checking18/65 Easy MAX Checking

18/65 Simply Free NOW

Personal Money Market Money Market

Different account names, same account benefits. It’s all good.

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If your North Middlesex Savings Bank Personal Savings Account is:

Your new Main Street Bank Account will be:

Easy Does It Statement Savings

Hybrid Savings

Easy MAX Statement Savings

Easy MAX Savings Reg D

Simply Save Statement

Regular Statement Savings

Bank at Work High Yield Savings

18/65 Easy MAX Savings 18/65 Advantage Savings

Easy Does It Passbook Savings

Passbook SavingsSimply Save Passbook

Regular Passbook Savings

Easy Passbook Savings

18/65 Easy Does It Statement Savings 18/65 Hybrid18/65 Regular Statement Savings

18/65 Regular Passbook Savings18/65 Passbook Savings

18/65 Easy Does It Passbook

Christmas Club

Holiday Club*Easy Club - April

Easy Club - July

Easy Club - Holiday

*All Holiday Club accounts will have a maturity date of October 31 . At this time, the balance of your club account will be withdrawn, and a check will be mailed to you . You will have 30 days to activate your club account again for the following year .

Existing Advantage NOW and Easy Does It Premium NOW accounts will be honored and will not have any immediate changes, but these products are no longer available as new accounts .

Want a different checking or savings account? No problem! Starting on June 5, 2017, you can call us to have your new Main Street Bank account switched to a different product in the same category with no change to your account number . Please call our 24/7 Toll-Free Customer Support Team at 888-397-5229, and they will be happy to assist you .

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CDs and IRAsIf you have a Certificate of Deposit (CD) or Individual Retirement Account (IRA) CD, the current terms and conditions of your account will remain in effect until maturity . Your existing CD or IRA CD will continue to earn interest at the same rate and mature on the same schedule that you selected when you opened the account . All interest earned on CDs will be compounded monthly . At maturity, your CD or IRA CD will renew under the terms and conditions offered by Main Street Bank for CD and IRA CD products at that time . Your CD and IRA CD account numbers will NOT change .

The CD passbook era has come to a close. Now you can request CD monthly updates on your checking or savings statement!

Main Street Bank will be the Custodian for Individual Retirement Accounts (IRA) . For questions, please contact Diane Taralli at 508-460-4125 .

CD Early Withdrawal PenaltyWe may impose an early withdrawal penalty if you withdraw any of the principal before the stated maturity date . Any withdrawals prior to maturity may reduce earnings . The early withdrawal penalty is equal to 50 percent of the interest that would have been earned should the CD have matured . These penalties are all based upon a 30 day month . For example, on a 7-month CD term, 105 days (3 .5 months) of interest could be forfeited as a penalty for early withdrawal . The penalty is calculated as a forfeiture of part of the interest that has been or would be earned on the account . It applies whether or not the interest has been earned . In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal . In certain circumstances, such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty . Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan .

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Other Services

Earth-friendly news—you can use your current checks until they’re all gone!

ChecksPlease feel free to use your existing supply of checks through May 2018 . Beginning on June 5, 2017, you will be able to start ordering Main Street Bank checks . Please make sure to use the new routing number, 211370752, on any check orders .

Once you are ready to order new checks, you may do so online at www .ordermychecks .com, or by visiting any

of our branch locations or calling us directly at 508-481-8300 .

StatementsYour final North Middlesex Savings Bank statement with activity from your last statement date through June 2, 2017, will be mailed to you the week of June 5, 2017 . Statements will be produced for all deposit accounts .

After June 5, 2017, we will begin producing your statements on the Main Street Bank system . All Main Street Bank statements will be received on the same schedule as your current statements .

Check images will be available on your statement, free of charge .

To ensure that you receive additional information promptly with no disruption, please verify that the address information on your most recent statement is correct .

PassbooksYour North Middlesex Savings Bank Passbook will be updated to a Main Street Bank Passbook at the time of your next transaction .

Safe Deposit BoxesAll current Safe Deposit Box pricing will remain the same until your next renewal period . Please review the Retail Summary of Fees & Minimums on page 31 of the Product Booklet for a listing of all fees . If you have set up autopay for your annual Safe Deposit Box payment, this payment will convert to the Main Street Bank system .

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Direct Deposit/ACHIf you have automatic payments deducted from your deposit account (including online bill payments), or funds direct deposited into your account, these automatic payments and deposits will continue . However, we recommend that you update your information to reflect Main Street Bank and our new routing number, 211370752, with any direct deposit or ACH vendors when possible .

Automatic payments, direct deposits, and courtesy overdraft will continue uninterrupted—sweet!

Courtesy Overdraft If you are currently enrolled in our Overdraft Protection Program, you will be automatically enrolled in Main Street Bank Courtesy Overdraft Protection . Please see the Terms and Conditions Booklet for the full details of our Courtesy Overdraft Program .

Retail Summary of FeesSome of our fees have changed . Please refer to the Retail Summary of Fees & Minimums on page 31 of the Product Booklet .

To ensure that you receive additional information promptly with no disruption, please verify that the address information on your most recent statement is correct .

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Business Deposit AccountsYour current North Middlesex Savings Bank account will be converted to a Main Street Bank account on Monday, June 5, 2017 . We have reviewed all our products and services, and selected products that provide you with the same, or similar benefits of the products you have today . The new accounts that your North Middlesex Savings Bank accounts will transition to were selected as a ‘best match’ product . On June 5, 2017, your current product will convert automatically to the Main Street Bank product listed here . You can learn more about these new products on page 35 of the Product Booklet .

If your North Middlesex Savings Bank Business Checking Account is:

Your new Main Street Bank Account will be:

Commercial Checking* Premium Analysis

Business Money Market Business Money Market

Simply Business Checking* Business Basic Checking

Business NOW*Business E-Checking

Free Business Checking*

IOLTA IOLTA

Advantage Business Checking Business Advantage Checking

*Monthly service fees for these accounts will be waived through December 2018 .

Want a different product? No problem! Starting on June 5, 2017, you can call us to have your new Main Street Bank account switched to a different product in the same category with no change to your account number . Please call our 24/7 Toll-Free Customer Support Team at 888-397-5229, and they will be happy to assist you .

Business Account StatementsYour final North Middlesex Savings Bank statement with activity from your last statement date through June 2, 2017, will be mailed to you the week of June 5, 2017 . Statements will be produced for all accounts .

After June 5, 2017, we will begin producing your statements on the Main Street Bank system . All Main Street Bank statements will be received on the same schedule as your current statements .

Check images will be available on your statement, free of charge .

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Business Online Banking and Business Mobile Banking ServicesMain Street Bank offers a wide variety of business services . Our Business Online Banking platform allows customers to process wire transfer requests, set up ACH templates (with prefunding), utilize account recon and positive pay as well as provide bill payment services and account history . In addition, we also have Business Mobile Banking, Business Mobile Deposits and Remote Deposit Capture .

If you are a current e-Statement user, please download your past e-Statements as they will not be available after June 2, 2017 . If you currently receive e-Statements from North Middlesex Savings Bank you will continue to receive e-Statements from Main Street Bank .

Beginning the week of May 15, 2017, you will receive your new Online Banking credentials through secured email and U .S . Postal mail . For security purposes, you will receive two separate notifications .

The first notification will include your company ID and User ID .

The second notification will contain your temporary password . Please watch your mail!

Business Online Banking will be available in a preview mode from May 22, 2017, at 8:00 am to June 2, 2017, at 3:00 pm . You will receive additional information from our Cash Management Department about what can be done in preview mode . Business Online Banking will be live on June 5, 2017, at 8:00 am .

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New Cards and PINsYour existing North Middlesex Savings Bank Visa Debit card will work until May 31, 2017, at 11:59 pm . Effective June 1, 2017, your North Middlesex Savings Bank Visa Debit card will be deactivated . For security purposes please destroy these cards .

Any active card holder (with card activity in the past 12 months) will receive a new Main Street Bank Debit MasterCard and PIN mailed separately during the week of May 21, 2017 . Your new Main Street Bank Debit MasterCard has the enhanced EMV chip technology . These cards will replace your existing North Middlesex Savings Bank cards .

On June 1, 2017, you will need to activate your new Main Street Bank Business Debit MasterCard . To activate, perform a pinned transaction at any merchant or ATM or call 888-621-2299 and follow the prompts .

All new cards will have a new card number and expiration date . If you use your debit card for automatic payments, you will need to update the card number and expiration date with these merchants .

Business Summary of FeesSome of our fees have changed . Please refer to the Business Summary of Fees & Minimums and the Cash Management Services & Summary of Fees on pages 45 and 47 of the Product Booklet .

Your Main Street Bank Business card limits will be as follows:

• Business Debit Cash Withdrawal: $800• PIN Debit Purchase: $1,500• Signature Credit Purchase: $1,500

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Our Cash Management Department will be available to assist you with your first-time login and to answer any questions you may have . Please call 508-481-8300 and a member of our Cash Management Team will be happy to assist .

North Middlesex Savings Bank LoansYour current North Middlesex Savings Bank loans and lines of credit will convert to Main Street Bank loans and lines of credit as of June 5, 2017 . The terms and conditions expressed in your current loan documents will remain the same, including the interest rate and date your payment is due .

Account NumbersYour current mortgage and consumer loan account numbers will NOT change; however, you will see the account numbers followed by 00001 .

Same rate, payment date, and account number—nothing new to see here!

Making Payments and Contacting UsPlease continue to remit your loan payments as you have in the past until Friday, June 2, 2017 . Beginning on Monday, June 5, 2017, please bring payments into your local branch, or mail payments to:

Main Street Bank ATTN: Loan Operations PO Box 19 Marlborough, MA 01752

Home Equity Line of Credit ChecksPlease continue to use your current HELOC checks through May 2018 . When new checks are needed, Main Street Bank checks will be ordered . Please make sure to use the new routing number, 211370752, on any check orders .

Escrow AccountsYour escrow account will undergo the annual escrow analysis in May 2017, from North Middlesex Savings Bank .

Insurance CommunicationBeginning on April 1, 2017, all loan customers should contact their insurance carrier to change the lienholder clause from North Middlesex Savings Bank to Main Street Bank . The lienholder clause should read “Main Street Bank, ISAOA/ATIMA c/o Lee & Mason Financial Services, PO Box 8455, Reston, VA 20195 ."

All Auto Loan customers should contact their auto insurance carrier and change the loss payee to: Main Street Bank, 81 Granger Blvd ., Marlborough, MA 01752 .

If you have any questions, please call Loan Operations at 508-683-3541.

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We get it, it’s a lot of change . One thing that isn’t changing is how much we care about you and what we will do to help you through . Stop by or call us at

978-772-3306 . We’re here to help .

For 24/7 support from June 5, 2017, to August 31, 2017, call 888-397-5229 . We don’t want you to miss a beat with your banking .

All North Middlesex Savings Bank credit bureau reporting will be transferred to Main Street Bank and will appear on your credit report as Main Street Bank .

Loan e-StatementsLoan e-Statements will now be available through Consumer and Business Online Banking .

Year End Reporting Information for All AccountsIRS Forms 1098 and 1099 You will receive one interest statement for the year that will reflect interest earned and paid to you by both North Middlesex Savings Bank and Main Street Bank for the entire year . Your statement will be mailed to you by January 31, 2018 .

To receive these forms electronically, please sign up for e-Tax forms through our Consumer Online Banking platform .

Employees

Same familiar faces here to greet you!

We’re committed to retaining all employees from both sides in this merger and, in our branches, most of the employees you are used to seeing will be staying right where they are . We know how much you appreciate our employees; we do too!

Locations

Same hours and locations—plus seven more. You’re soooo covered!

All of our current branch locations will remain open without any change to their operating hours . You will also have access to an additional 7 locations in the MetroWest Region . And yes – the people there are just as friendly and knowledgeable as the ones in our Middlesex County locations! All of our locations and hours are listed in the Product Booklet .

Member FDIC / Member DIF

508-481-8300 BankMainStreet .com 81 Granger Boulevard, Marlborough, MA

170275NMSBINS