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Account Benefits Why your bank matters Summer Farm Dividend Competitive interest without surprise fees

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Industries Farms, Fisheries, & Forestry Food Businesses Non-Profits & Community Organizations Other Sustainable Businesses Grains

Products Grow Local Business accounts Grow Local Community accounts Local Impact CDs Loans

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Footnotes

1

Annual Percentage Yield. Grow Local account rates current as of December 27th, 2024. Interest is compounded daily, posted monthly. Rates are subject to change without notice. Tiered rates apply only to individual Grow Local accounts. Extra 1.00% (total of 3.05%) of annual percentage yield applies to balances $10,000-$99,999.99. Balances below ($9,999.99 and under) and above ($100,000 and more) do not qualify for the extra 1.00% of annual percentage yield (resulting in 2.05% APY). Fees could reduce the earnings on the account.

2

Annual Percentage Yield. Grow Local Community account rates current as of December 27th, 2024. Daily compounding, posted monthly. Rates are subject to change without notice. Fees could reduce the earnings on the account.

3

Annual Percentage Yield. Local Impact CD rates current as of December 27th, 2024. Interest is compounded daily, posted monthly. Rates are subject to change without notice. $1,000 minimum to open. Penalties may apply for early withdrawals. Fees could reduce the earnings on the account.

4

Federal Deposit Insurance Corporation. Insurance coverage limited to $250,000. Additional insurance coverage available upon request.

5

Account charges & fees are listed at waldenmutual.com/fees.

6

Summer Farm Dividend Terms & Conditions apply.

7

Partner Perks Terms & Conditions apply.

8

Sustainability Certification Reimbursement Terms & Conditions apply.

9

Source: https://www.latimes.com/opinion/story/2023-01-18/fossil-fuel-expansion-bank-financed-emissions

10

As of May 8th, 2024; average across accounts offered by four largest U.S. banks; assumes location of Concord, NH and highest available savings rate.

11

We'll reimburse up to $15 per month in fees assessed by ATM providers. A full description of our account charges can be found at waldenmutual.com/fees.

12

Desktop check deposit also available, but requires purchase of a compatible scanner, and free enrollment and configuration of the service. Send us a note if you're interested!

13

Walden Mutual Partner Business Card is a Visa® Debit Card issued by Walden Mutual Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association.

14

Annual Percentage Yield. Assabet 12-month Local Impact CD rate current as of April 1, 2025. Interest is compounded daily, posted monthly. Subject to change without notice. $1,000 minimum to open. Penalties may apply for early withdrawals. Fees could reduce the earnings on the account. Signed pledge agreement required.

15

Annual Percentage Yield. Save Local Business account rates current as of March 28th, 2025. Interest is compounded daily, posted monthly. Rates are subject to change without notice. Extra 2.00% (total of 3.05%) of annual percentage yield applies to balances $10,000-$99,999.99. Balances below ($9,999.99 and under) and above ($100,000 and more) do not qualify for the extra 2.00% of annual percentage yield (resulting in 1.05% APY). Fees could reduce the earnings on the account.

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