HarborOne Bancorp, Inc. Sample Contracts

Up to 31,050,000 Shares HARBORONE NORTHEAST BANCORP, INC. (a Massachusetts corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT
Agency Agreement • May 31st, 2019 • HarborOne NorthEast Bancorp, Inc. • State commercial banks • New York
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NON-QUALIFIED STOCK OPTION AGREEMENT FOR NON-EMPLOYEE DIRECTORS UNDER THE HARBORONE BANCORP, INC.
Non-Qualified Stock Option Agreement • October 5th, 2020 • HarborOne Bancorp, Inc. • State commercial banks

Pursuant to the HarborOne Bancorp, Inc. 2020 Equity Incentive Plan as amended through the date hereof (the “Plan”), HarborOne Bancorp, Inc. (the “Company”) hereby grants to the Optionee named above, who is a Director of the Company but is not an employee of the Company, an option (the “Stock Option”) to purchase on or prior to the Expiration Date specified above all or part of the number of shares of Common Stock, par value $0.01 per share (the “Stock”), of the Company specified above at the Option Exercise Price per Share specified above subject to the terms and conditions set forth herein and in the Plan. This Stock Option is not intended to be an “incentive stock option” under Section 422 of the Internal Revenue Code of 1986, as amended.

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INCENTIVE STOCK OPTION AGREEMENT UNDER THE HARBORONE BANCORP, INC.
Incentive Stock Option Agreement • October 5th, 2020 • HarborOne Bancorp, Inc. • State commercial banks

Pursuant to the HarborOne Bancorp, Inc. 2020 Equity Incentive Plan as amended through the date hereof (the “Plan”), HarborOne Bancorp, Inc. (the “Company”) hereby grants to the Optionee named above an option (the “Stock Option”) to purchase on or prior to the Expiration Date specified above all or part of the number of shares of Common Stock, par value $0.01 per share (the “Stock”), of the Company specified above at the Option Exercise Price per Share specified above subject to the terms and conditions set forth herein and in the Plan.

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CHANGE IN CONTROL AGREEMENT
Change in Control Agreement • May 7th, 2024 • HarborOne Bancorp, Inc. • State commercial banks • Massachusetts

This Change in Control Agreement (“Agreement”) is made as of this ___ day of May, 2024, by and among HarborOne Bancorp, Inc. a Massachusetts stock holding company (the “Company”), and it subsidiary, HarborOne Bank, a Massachusetts trust company with its main office in Brockton, Massachusetts (the “Bank”) (the Bank and the Company shall be hereinafter collectively referred to as the “Employers”), and Stephen W. Finocchio (the “Employee”).

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RESTRICTED STOCK AWARD AGREEMENT UNDER THE HARBORONE BANCORP, INC.
Restricted Stock Award Agreement • October 5th, 2020 • HarborOne Bancorp, Inc. • State commercial banks

Pursuant to the HarborOne Bancorp, Inc. 2020 Equity Incentive Plan as amended through the date hereof (the “Plan”), HarborOne Bancorp, Inc. (the “Company”) hereby grants a Restricted Stock Award (an “Award”) to the Grantee named above. Upon acceptance of this Award, the Grantee shall receive the number of shares of Common Stock, par value $0.01 per share (the “Stock”) of the Company specified above, subject to the restrictions and conditions set forth herein and in the Plan. The Company acknowledges the receipt from the Grantee of consideration with respect to the par value of the Stock in the form of cash, past or future services rendered to the Company by the Grantee or such other form of consideration as is acceptable to the Administrator.

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PERFORMANCE RESTRICTED STOCK UNIT AWARD AGREEMENT FOR COMPANY EMPLOYEES UNDER THE HARBORONE BANCORP, INC.
Performance Restricted Stock Unit Award Agreement • March 12th, 2021 • HarborOne Bancorp, Inc. • State commercial banks

Pursuant to the HarborOne Bancorp, Inc. 2020 Equity Incentive Plan as amended through the date hereof (the “Plan”), HarborOne Bancorp, Inc. (the “Company”) hereby grants an award of the number of Restricted Stock Units listed above (an “Award”) to the Grantee named above. Each Restricted Stock Unit shall relate to one share of Common Stock, par value $0.01 per share (the “Stock”) of the Company.

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Ms. Linda H. Simmons Senior Vice President and Chief Financial Officer HarborOne Bancorp, Inc. / HarborOne Bank Brockton, MA 02301 Dear Ms. Simmons:
Appraisal Services Agreement • March 11th, 2019 • HarborOne NorthEast Bancorp, Inc. • Massachusetts

This letter sets forth the agreement between HarborOne Bank, Brockton, Massachusetts (the “Bank”), a state-chartered co-operative bank wholly-owned by HarborOne Bancorp, Inc. (the “Company”), which in turn is a financial services holding company majority owned by HarborOne Mutual Bancshares (the “MHC”), collectively “HarborOne,” and RP® Financial, LC. (“RP Financial”), whereby RP Financial will provide the independent conversion appraisal services in conjunction with HarborOne’s second step conversion offering.

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NON-QUALIFIED STOCK OPTION AGREEMENT FOR COMPANY EMPLOYEES UNDER THE HARBORONE BANCORP, INC.
Non-Qualified Stock Option Agreement • October 5th, 2020 • HarborOne Bancorp, Inc. • State commercial banks

Pursuant to the HarborOne Bancorp, Inc. 2020 Equity Incentive Plan as amended through the date hereof (the “Plan”), HarborOne Bancorp, Inc. (the “Company”) hereby grants to the Optionee named above an option (the “Stock Option”) to purchase on or prior to the Expiration Date specified above all or part of the number of shares of Common Stock, par value $0.01 per share (the “Stock”) of the Company specified above at the Option Exercise Price per Share specified above subject to the terms and conditions set forth herein and in the Plan. This Stock Option is not intended to be an “incentive stock option” under Section 422 of the Internal Revenue Code of 1986, as amended.

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FORM OF INDEMNIFICATION AGREEMENT
Indemnification Agreement • November 6th, 2020 • HarborOne Bancorp, Inc. • State commercial banks • Massachusetts

This Indemnification Agreement (“Agreement”) is made as of ________________ by and between HarborOne Bancorp, Inc., a Massachusetts corporation (the “Company”), and ____________ (“Indemnitee”).

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RESTRICTED STOCK UNIT AWARD AGREEMENT FOR NON-EMPLOYEE DIRECTORS UNDER THE HARBORONE BANCORP, INC.
Restricted Stock Unit Award Agreement • October 5th, 2020 • HarborOne Bancorp, Inc. • State commercial banks

Pursuant to the HarborOne Bancorp, Inc. 2020 Equity Incentive Plan as amended through the date hereof (the “Plan”), HarborOne Bancorp, Inc. (the “Company”) hereby grants an award of the number of Restricted Stock Units listed above (an “Award”) to the Grantee named above. Each Restricted Stock Unit shall relate to one share of Common Stock, par value $0.01 per share (the “Stock”) of the Company.

Sample 1
RESTRICTED STOCK UNIT AWARD AGREEMENT FOR COMPANY EMPLOYEES UNDER THE HARBORONE BANCORP, INC.
Restricted Stock Unit Award Agreement • October 5th, 2020 • HarborOne Bancorp, Inc. • State commercial banks

Pursuant to the HarborOne Bancorp, Inc. 2020 Equity Incentive Plan as amended through the date hereof (the “Plan”), HarborOne Bancorp, Inc. (the “Company”) hereby grants an award of the number of Restricted Stock Units listed above (an “Award”) to the Grantee named above. Each Restricted Stock Unit shall relate to one share of Common Stock, par value $0.01 per share (the “Stock”) of the Company.

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