Common use of ATMs Clause in Contracts

ATMs. You may use your Card at the following ATMs: • All ATMs in our branch offices or with the name “Eastern Bank” on them (“Bank” ATMs) • Other ATMs that participate in the same networks as Eastern Bank (“Non-Bank” ATMs) The types of transactions you can perform at an ATM will depend on the ATM that you are using. You can perform all of the following types of transactions at most Bank ATMs, but some of these transactions may not be available at Non-Bank ATMs. • Cash Withdrawals • Transfers Among Designated Accounts • Balance Inquiries Balances available through the ATM are updated once each business day; as a result, they may not show some of the most recent transactions on your account. • Deposit and Cashback You may use your Bank Card to deposit funds into a Designated Account and, once each day, immediately withdraw up to $100 of those funds as long as the balance of available funds in the account before the deposit was not less than zero and we have not restricted access to the account for any reason. • Payments You can use your Card to make a payment on a loan or line of credit from us at any full service Bank ATM that requires the use of envelope deposits. You must include a payment coupon with your payment. There may be a delay of up to 3 business days in crediting loan payments made at an ATM. Such payments will not be accepted at envelope-free ATMs. Point-of-Sale Transactions There are two types of point-of-sale (“POS”) transactions: • PIN Transactions PIN transactions are transactions made at a merchant with your Debit Card when you enter your personal identification number (“PIN”). PIN purchases can be made at merchants displaying the NYCE® logo. • Non-PIN Transactions Non-PIN transactions are transactions made at a merchant with your Debit Card in which you do not enter your PIN (“Non-PIN”). When in person, you may be required to sign a receipt to conduct a Non- PIN transaction. Non-PIN purchases can be made at merchants displaying the MasterCard® logo. Typically, a POS transaction for which you enter a PIN will be processed on a PIN-based network and a POS transaction for which you sign a receipt will be processed on a signature-based network. However, in some cases merchants may use PIN-based networks for signature transactions and signature-based networks for PIN transactions. ATM and POS transactions are debited from your daily limits and your available balance based on the authorization request received from the merchant and the final amount is posted to your account when the transaction has cleared. Limits on ATM and POS Transactions Our standard overdraft practices apply to ATM and POS transactions as stated in “Overdrafts” in Section I – General Rules for Deposit Accounts. In addition, the following daily transaction and dollar limits apply. Eastern Bank ATM Card • 3 ATM withdrawals per calendar day, for a total amount of up to $750. • No PIN POS transactions. Eastern Bank Debit MasterCard® Standard Card • 5 ATM withdrawals per calendar day, up to a total amount of $750. • 10 POS transactions per calendar day processed on a PIN-based network, up to a total of $1,000. • 15 POS transactions per calendar day processed on a signature-based network, up to a total of $2,000. Gold Card • 5 ATM withdrawals per calendar day, up to a total amount of $1,000. • 10 POS transactions per calendar day processed on a PIN-based network, up to a total of $1,200. • 15 POS transactions per calendar day processed on a signature-based network , up to a total of $2,500. Platinum Card • 5 ATM withdrawals per calendar day, up to a total amount of $1,000. • 10 POS transactions per calendar day processed on a PIN-based network, up to a total of $2,500. • 15 POS transactions per calendar day processed on a signature-based network, up to a total of $3,500. You have the right under applicable law to request that we limit the amount of cash withdrawals that may be made at an ATM with your Card to $50 per calendar day. Eastern Bank reserves the right to temporarily reduce limits on debit cards as needed in certain geographical areas or where the bank has received notice that fraud is occurring. Stopping POS Transactions UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUNDS TRANSFERS, INCLUDING POS TRANSACTIONS. THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. Fees See the Bank’s Personal Deposit Account Fees for account maintenance charges and fees for ATM and POS transactions. Currency Conversion and International Transactions If you effect a transaction with your ATM or Debit Card in a currency other than U.S. dollars, MasterCard® will convert the amount of the transaction in foreign currency to a U.S. dollar amount. To make this conversion, MasterCard will use the procedure set forth in its operating regulations. Those regulations provide that MasterCard may make the conversion to U.S. dollars using either a government-mandated exchange rate or a wholesale exchange rate selected by MasterCard®. In either case, the rate used will be the rate in effect on the day MasterCard processes the transaction, which may differ from that applicable to the date the transaction occurred or when it posted to the account. You agree that your ATM or Debit Card Checking Account will be charged the U.S. dollar amount converted from a foreign currency as provided in this paragraph. You will be charged a MasterCard® International Assessment fee for each foreign transaction made by you with your ATM or Debit Card (i.e., any transaction made in a foreign currency), as disclosed in the Personal Deposit Account Fees.

ATMs. You may use your Card at the following ATMs: • All ATMs in our branch offices or with the name “Eastern Bank” on them (“Bank” ATMs) • Other ATMs that participate in the same networks as Eastern Bank (“Non-Bank” ATMs) The types of transactions you can perform at an ATM will depend on the ATM that you are using. You can perform all of the following types of transactions at most Bank ATMs, but some of these transactions may not be available at Non-Bank ATMs. • Cash Withdrawals withdrawals • Transfers Among Designated Accounts among designated accounts • Balance Inquiries inquiries Balances available through the ATM are updated once each business day; as a result, they may not show some of the most recent transactions on your account. • Deposit and Cashback cash back You may use your Bank Card to deposit funds into a Designated Account and, once each day, immediately withdraw up to $100 of those funds checks as long as the balance of available funds in the account before the deposit was not less than zero and we have not restricted access to the account for any reason. • Payments You can use your Card to make a payment on a loan or line of credit from us at any full service Bank ATM that requires the use of envelope deposits. You must include a payment coupon with your payment. There may be a delay of up to 3 business days in crediting loan payments made at an ATM. Such payments will not be accepted at envelope-free ATMs. Point-of-Sale Transactions There are two types of point-of-sale (“POS”) POS transactions: • PIN Transactions transactions PIN transactions are transactions made at a merchant with your Debit Card when you enter your personal identification number (“PIN”). PIN purchases can be made at merchants displaying the NYCE® logo. • Non-PIN Transactions Non-PIN transactions are transactions made at a merchant with your Debit Card in which you do not enter your PIN (“Non-PIN”). When in person, you may be required to sign a receipt to conduct a Non- PIN transaction. Non-PIN purchases can be made at merchants displaying the MasterCard® logotransaction. Typically, a POS transaction for which you enter a PIN will be processed on a PIN-based network and a POS transaction for which you sign a receipt will be processed on a signature-based network. However, in some cases cases, merchants may use PIN-based networks for signature transactions and signature-based networks for PIN transactions. ATM and POS transactions are debited from your daily limits and your available balance based on the authorization request received from the merchant and the final amount is posted to your account when the transaction has cleared. Limits on ATM and POS Transactions Our standard overdraft practices apply to ATM and POS transactions as stated in “Overdrafts” in Section I – Part I, “General Rules for Deposit Accounts. .” In addition, the following daily transaction and dollar limits apply. apply (when a limitation is indicated by a dollar amount and a number (such as $2,500 | 15), whichever limit is achieved first controls): Eastern Bank ATM Card • 3 ATM withdrawals per calendar day, for a total amount of up to $750. • No PIN POS transactions. Eastern Bank Debit MasterCard® Standard Card • 5 ATM withdrawals per calendar day, up to a total amount of $750. • 10 POS transactions per calendar day processed on a PIN-based network, up to a total of $1,000. • 15 POS transactions per calendar day processed on a signature-based network, up to a total of $2,000. Gold Card • 5 ATM withdrawals 500 Eastern Bank Debit MasterCard® Total limit per calendar day: $2,500 | 15 transactions, up to which may include any combination of: • Debit Card purchases: $2,500 | 15 transactions • ATM withdrawals: $750 | 5 transactions (surcharge fees imposed at a total amount of non-Eastern Bank ATM count against the ATM withdrawal limit) • Cash advance: $1,000. • 10 POS 500 | 15 transactions per calendar day processed on a PIN-based network, up to a total of $1,200. • 15 POS transactions per calendar day processed on a signature-based network , up to a total of $2,500. Platinum Card • 5 ATM withdrawals Eastern Bank Premium Debit MasterCard® Total limit per calendar day: $3,000 | 15 transactions, up to which may include any combination of: • Debit Card purchases: $3,000 | 15 transactions • ATM withdrawals: $1,000 | 5 transactions (surcharge fees imposed at a total amount of non-Eastern Bank ATM count against the ATM withdrawal limit) • Cash advance: $1,000. • 10 POS 500 | 15 transactions per calendar day processed on a PIN-based network, up to a total of $2,500. • 15 POS transactions per calendar day processed on a signature-based network, up to a total of $3,500. You have the right under applicable law to request that we limit the amount of cash withdrawals that may be made at an ATM with your Card to $50 per calendar day. Eastern Bank reserves the right to temporarily reduce limits on debit cards as needed in certain geographical areas or where the bank Bank has received notice that fraud is occurring. Stopping POS Transactions UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUNDS TRANSFERS, INCLUDING POS TRANSACTIONS. THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. Fees See the Bank’s Personal Deposit Account Fees disclosure for account maintenance charges and fees for ATM and POS transactions. Currency Conversion and International Transactions If you effect a transaction with your ATM or Debit Card in a currency other than U.S. dollars, MasterCard® will convert the amount of the transaction in foreign currency to a U.S. dollar amount. To make this conversion, MasterCard will use the procedure set forth in its operating regulations. Those regulations provide that MasterCard may make the conversion to U.S. dollars using either a government-mandated exchange rate or a wholesale exchange rate selected by MasterCard®. In either case, the rate used will be the rate in effect on the day MasterCard processes the transaction, which may differ from that applicable to the rate in effect on the date the transaction occurred or when it posted to the account. You agree that your ATM or Debit Card Checking Account account will be charged the U.S. dollar amount converted from a foreign currency as provided in this paragraph. You will be charged a MasterCard® International Assessment fee Fee for each foreign transaction made by you with your ATM or Debit Card (i.e., any transaction made in a foreign currencycurrency or with a foreign merchant or bank), as disclosed in the Personal Deposit Account Fees.

ATMs. You may use your Card at the following ATMs: • All ATMs in our branch offices or with the name “Eastern Bank” on them (“Bank” ATMs) • Other ATMs that participate in the same networks as Eastern Bank (“Non-Bank” ATMs) The types of transactions you can perform at an ATM will depend on the ATM that you are using. You can perform all of the following types of transactions at most Bank ATMs, but some of these transactions may not be available at Non-Bank ATMs. • Cash Withdrawals withdrawals • Transfers Among Designated Accounts among designated accounts • Balance Inquiries inquiries Balances available through the ATM are updated once each business day; as a result, they may not show some of the most recent transactions on your account. • Deposit and Cashback cash back You may use your Bank Card to deposit funds into a Designated Account and, once each day, immediately withdraw up to $100 of those funds as long as the balance of available funds in the account before the deposit was not less than zero and we have not restricted access to the account for any reason. • Payments You can use your Card to make a payment on a loan or line of credit from us at any full service Bank ATM that requires the use of envelope deposits. You must include a payment coupon with your payment. There may be a delay of up to 3 business days in crediting loan payments made at an ATM. Such payments will not be accepted at envelope-free ATMs. Point-of-Sale Transactions There are two types of point-of-sale (“POS”) POS transactions: • PIN Transactions transactions PIN transactions are transactions made at a merchant with your Debit Card when you enter your personal identification number (“PIN”). PIN purchases can be made at merchants displaying the NYCE® logo. • Non-PIN Transactions Non-PIN transactions are transactions made at a merchant with your Debit Card in which you do not enter your PIN (“Non-PIN”). When in person, you may be required to sign a receipt to conduct a Non- Non-PIN transaction. Non-PIN purchases can be made at merchants displaying the MasterCard® logo. Typically, a POS transaction for which you enter a PIN will be processed on a PIN-based network and a POS transaction for which you sign a receipt will be processed on a signature-based network. However, in some cases cases, merchants may use PIN-based networks for signature transactions and signature-based networks for PIN transactions. ATM and POS transactions are debited from your daily limits and your available balance based on the authorization request received from the merchant and the final amount is posted to your account when the transaction has cleared. Limits on ATM and POS Transactions Our standard overdraft practices apply to ATM and POS transactions as stated in “Overdrafts” in Section I – Part I, “General Rules for Deposit Accounts. .” In addition, the following daily transaction and dollar limits apply. apply (when a limitation is indicated by a dollar amount and a number (such as $2,500 | 15), whichever limit is achieved first controls): Eastern Bank ATM Card • 3 ATM withdrawals per calendar day, for a total amount of up to $750. • No PIN POS transactions. Eastern Bank Debit MasterCard® Standard Card • 5 ATM withdrawals per calendar day, up to a total amount of $750. • 10 POS transactions per calendar day processed on a PIN-based network, up to a total of $1,000. • 15 POS transactions per calendar day processed on a signature-based network, up to a total of $2,000. Gold Card • 5 ATM withdrawals 500 Eastern Bank Debit MasterCard® Total limit per calendar day: $2,500 | 15 transactions, up to which may include any combination of: • Debit Card purchases: $2,500 | 15 transactions • ATM withdrawals: $750 | 5 transactions (surcharge fees imposed at a total amount of non-Eastern Bank ATM count against the ATM withdrawal limit) • Cash advance: $1,000. • 10 POS 500 | 15 transactions per calendar day processed on a PIN-based network, up to a total of $1,200. • 15 POS transactions per calendar day processed on a signature-based network , up to a total of $2,500. Platinum Card • 5 ATM withdrawals Eastern Bank Premium Debit MasterCard® Total limit per calendar day: $3,000 | 15 transactions, up to which may include any combination of: • Debit Card purchases: $3,000 | 15 transactions • ATM withdrawals: $1,000 | 5 transactions (surcharge fees imposed at a total amount of non-Eastern Bank ATM count against the ATM withdrawal limit) • Cash advance: $1,000. • 10 POS 500 | 15 transactions per calendar day processed on a PIN-based network, up to a total of $2,500. • 15 POS transactions per calendar day processed on a signature-based network, up to a total of $3,500. You have the right under applicable law to request that we limit the amount of cash withdrawals that may be made at an ATM with your Card to $50 per calendar day. Eastern Bank reserves the right to temporarily reduce limits on debit cards as needed in certain geographical areas or where the bank Bank has received notice that fraud is occurring. Stopping POS Transactions UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUNDS TRANSFERS, INCLUDING POS TRANSACTIONS. THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. Fees See the Bank’s Personal Deposit Account Fees disclosure for account maintenance charges and fees for ATM and POS transactions. Currency Conversion and International Transactions If you effect a transaction with your ATM or Debit Card in a currency other than U.S. dollars, MasterCard® will convert the amount of the transaction in foreign currency to a U.S. dollar amount. To make this conversion, MasterCard will use the procedure set forth in its operating regulations. Those regulations provide that MasterCard may make the conversion to U.S. dollars using either a government-mandated exchange rate or a wholesale exchange rate selected by MasterCard®. In either case, the rate used will be the rate in effect on the day MasterCard processes the transaction, which may differ from that applicable to the rate in effect on the date the transaction occurred or when it posted to the account. You agree that your ATM or Debit Card Checking Account account will be charged the U.S. dollar amount converted from a foreign currency as provided in this paragraph. You will be charged a MasterCard® International Assessment fee Fee for each foreign transaction made by you with your ATM or Debit Card (i.e., any transaction made in a foreign currencycurrency or with a foreign merchant or bank), as disclosed in the Personal Deposit Account Fees.