2022 Annual Report

Here for You

2022 ANNUAL REPORT

Message from the CEO

2022 brought many new and unexpected challenges, affecting all of us. Throughout the year, we at Cape Cod 5 have continued to respond to the needs of communities, always guided by our mission of enriching lives to assist those we serve.

The year started with a sense of optimism that the world was returning to some semblance of normalcy. Instead, it brought a war in Ukraine, further global supply chain disruption, global energy challenges and the realization that inflation was here to stay. Inflation and the subsequent rapid rise in borrowing costs driven by the Federal Reserve’s actions to curb price increases led to a spend down of excess savings amongst consumers and businesses and exacerbated existing home affordability pressures. All the while, the financial markets have taken us on a wild ride.

In our communities on Cape Cod, the Islands and in Southeastern Massachusetts, there are additional dynamics that must be addressed through collaborative and innovative approaches.

The lack of accessible housing continues to be a critical issue impacting individuals and families, as well as businesses looking for staff. In our seasonal economies, an influx of more year-round and shortterm residents over the past few years, which has helped to strengthen the local economy, has also amplified the need for improved infrastructure relating to transportation, wastewater and early childhood education resources.

At Cape Cod 5, we act with our values of integrity, respect, collaboration, inclusivity and care always at the forefront. Our business is centered around

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Matthew S. Burke CEO, Cape Cod 5 doing what is right and supporting the wellbeing of our customers, community members and team of employees: providing actionable and objective advice, tools and services to empower our customers on their financial journeys both digitally and in person; contributing to the vibrancy and vitality of our communities and neighbors; and creating a top workplace that is supportive of our employees’ personal and professional obligations.

In the middle of the year, after months of planning and preparation, Cape Cod 5 experienced a significant leadership change when Dorothy Savarese, who has been a great mentor of mine, stepped back from the role of CEO, and with the full support of the Board, named me as her successor in the role of Chief Executive Officer and Bert Talerman as President. Our dedicated team of 577 talented professionals carried on working together as One Bank without missing a beat.

Our team of employees has always been the key to carrying out the Bank’s mission, caring for our customers, positively impacting our communities and being there for one another. We consistently strive to provide best-in-class benefits to ensure they can balance each area of their lives; foster a culture where innovation, respect and celebration of differences are

encouraged; create opportunities for development; and recognize personal and team achievements.

Through our collective efforts and despite some economic headwinds, we accomplished significant strategic and financial milestones. As a mutual institution, our financial strength underpins our ability to reinvest in our technology, our service offerings, our employees and our ability to give back in our communities. Below are some of these highlights from 2022:

• Achieved net income of $39.5 million, our second highest earnings level on record, providing for a return on average assets of 0.81%.

• Total assets grew to $5.3 billion, a 14.2% increase from 2021.

• Strengthened asset quality over the course of the year, with non-performing assets remaining near record lows at just 0.26% of total assets, a 0.13% improvement from 2021.

• Exceeded $1.5 billion total residential and consumer lending for the second consecutive year, achieving the top purchase mortgage market share in Barnstable, Nantucket and Dukes County, as well as the towns of Plymouth and Wareham. In 2022, the Bank was the second largest originator of single-family homes in Massachusetts, as reported by Banker & Tradesman.

• Core commercial loan portfolio growth, which excludes PPP loan balances, totaled 4.6%.

• Achieved #1 deposit market share, accounting for more than 25% of area FDIC insured deposits.

• Maintained a strong deposit base, which facilitated the Bank’s financial capacity to eliminate all overdraft fees for consumers and businesses — one of the first banks in our area to make this move.

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• Wealth Management Services assets totaled $1.8 billion on a combined basis, including assets under management, custody assets and brokerage.

• Enhanced employee time off with vacation, sick and personal time converted to Paid Time Off, with all employees receiving an equal amount.

• Recognized for the fifth straight year as a top workplace nationally and in the state.

• Continued to enhance and grow the Bank’s physical presence, completing significant renovations to the East Harwich and Yarmouth banking centers while breaking ground on two new banking centers in Plymouth, continuing our expansion in Southeastern Massachusetts.

• Focused on further developing our digital offerings to enable customer convenience from anywhere, while continuing to bolster our security and put in place technological efficiencies.

• Contributed more than $1.7 million to nonprofit organizations and community partners across our region.

Throughout this report, we have highlighted examples of the many ways that we at Cape Cod 5 are here to help. It is an honor to write my first letter as CEO of this long-standing institution. I am grateful to have the opportunity to do what I love, at a company whose values I’ve always shared and admired, and with people whom I greatly respect.

Thank you to our customers and community members for continuing to place your trust in us, and to my colleagues for your partnership in our mission.

If we can be of assistance, please don’t hesitate to reach out. We are here for you.

At Cape Cod 5, we act with our values of integrity, respect, collaboration, inclusivity and care always at the forefront. Our business is centered around doing what is right and supporting the wellbeing of our customers, community members and team of employees.

— MATT BURKE, CEO

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Message from the Executive Chair

Dorothy A. Savarese, Executive Chair, Cape Cod 5

When I chose to join Cape Cod 5 as a part-time commercial lender over three decades ago, I was sure of two things: that Cape Cod 5 was an organization that shared my values and that they shared my goal to make a positive impact on our customers and members of the community.

Through the ensuing years, and all the changes in our world, our communities and our customers’ lives, these things have remained constant.

And I would go so far as to say we are passionate about that, as we at Cape Cod 5 have rigorously pursued continuously evolving ways we can support each other and those whom we serve. We’ve expanded the breadth of our services to meet the needs of individuals, families and businesses in our region to include everything from accessible bank accounts for the underbanked to wealth management and trust and investment services. As the leading residential lender in our region, we have received

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state and national recognition for continuing to ensure that we provide solutions for all people in the community to achieve the goal of home ownership. We’ve innovated and adapted our way from introducing “Internet Banking” before any other bank in our market (way back in the 1990s) to creating and launching a digital portal to support small businesses through the Paycheck Protection Program, and continue to develop more convenient ways for our customers to work with us from anywhere. Our community engagement has evolved from a primary focus on philanthropy to also include our operations as a responsible business, advancement of financial know-how and the talents and time of all of our employees in giving back. And we’ve been proud to become one of the largest employers and top nationally recognized workplaces in the region.

As a steward of this 168-year-old institution, I have long known that my primary role was to ensure that this high performing, values-based culture of service would continue well into the future.

I have been privileged to work with a remarkable team that enabled the Bank to take an important next step during 2022, with Matt Burke stepping into the role of CEO and Bert Talerman becoming President in May. As Matt and Bert have been part of my executive team, actively involved in every area of our operations and service, our customers, employees and community members can be very confident about the future of this institution.

During my year as Executive Chair, I have clearly seen that, with their leadership, along with senior management and the entire team of dedicated and talented employees, Cape Cod 5 will continue to pursue its mission of enriching lives.

L-R: Joel Brickman, General Counsel and Board Clerk; Tom Evans, Vice Chair; Dorothy Savarese, Executive Chair; Matt Burke, CEO; Bert Talerman, President As I prepare for my official retirement in the coming months, I want to thank all of our customers and community members for the trust that you’ve placed with us. I often hear from individuals about the ways that Cape Cod 5 and our team have made a positive impact in their lives — whether it is having guidance to be able to purchase their perfect ‘forever home’ or receiving comfort and empathy in dealing with the tragedy of losing a loved one. We are grateful that you turn to us every day, and especially during those difficult moments when you most need guidance and someone that you can rely upon. Cape Cod 5 will always continue to be here for you.

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Finally, to my Cape Cod 5 family of colleagues, Trustees and Corporators: it has been my honor to share these past years with you. I am so grateful to have had the opportunity to work with so many fine people. We’ve shared many laughs and stood shoulder to shoulder through some very challenging times. You’ve touched my life and taught me so much, and I’m so proud to have you all carry on our mission for our customers, community members and one another.

With gratitude and warm thoughts,

As a steward of this 168-year-old institution, I have long known that my primary role was to ensure that this high performing, values-based culture of service would continue well into the future. During my year as Executive Chair, I have clearly seen that, with the leadership team and the entire team of dedicated and talented employees, Cape Cod 5 will continue to pursue its mission of enriching lives.

— DOROTHY A. SAVARESE, EXECUTIVE CHAIR

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2 02 2 AT A G L A N C E

168

577

Years Serving Our Communities

Locations

#1

#1

Deposit Market Share in Barnstable County

Purchase Mortgage Market Share in Our Region

$5.27 Billion Assets

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Employees

26

$1.79 Billion

Wealth Assets Serviced

$1.71 Million Charitable Giving

OUR MISSION

Enriching Lives Our mission is simply stated, but there’s so much meaning behind it.

We work each day to enrich the lives of those we serve — from supporting the financial health of our customers to helping to sustain the vibrancy and vitality of our communities to creating meaningful opportunities for our employees.

O U R VA L U E S

As we carry out our mission, Cape Cod 5’s values are ingrained in every aspect of our business and guide us in each interaction we have with our customers, employees and communities.

Integrity | Respect | Collaboration | Inclusivity | Care

Data as of 12/31/2022

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Here for your financial needs

#1

Deposit Market Share, accounting for

MORE THAN

25%

of area FDIC insured deposits, more than double that of the next closest competitor

#1 At Cape Cod 5, we’re here to empower each individual and family on their unique financial journey. Whether you’re ready to buy your first or forever home, saving for a rainy day or preparing for retirement, Cape Cod 5 has the expertise, tools, products and services to help you achieve your goals, and are happy to help whichever way you prefer — digitally, in person or a mix of both.

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$1.79 Billion Wealth Assets Serviced * In 2022, Cape Cod 5 held the #1 purchase mortgage market share position in the counties of Barnstable, Nantucket and Dukes, and the towns of Plymouth and Wareham.

We appreciate how you listen to our goals and expenses and clearly show us how to achieve them. You are always well prepared, never make us feel awkward about our lack of knowledge, you give sound advice and always maintain a great sense of humor. You give us great peace of mind financially, and to me that is priceless.

— AMY LAKE, INVESTMENT SERVICES CLIENT

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Residential Mortgage Lender in Every Market We Serve*

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Cape Cod 5 helped us obtain a mortgage and a land loan. Not only that, they helped us through the entire process and made it stress-free. There’s something special about working with a community bank like Cape Cod 5 that you won’t find anywhere else. They’re really a part of the family.

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— H EATHER RICCIARDI, MORTGAGE CUSTOMER

Eliminated Overdraft Fees Cape Cod 5 eliminated all fees associated with overdrafts so that customers keep more of their money, especially when life happens!

Provided Peace of Mind with Additional FDIC Insurance Through IntraFi In 2022, Cape Cod 5 offered customers the opportunity to access full FDIC insurance on all balances above the automatic FDIC insurance limit of $250,000.

Improved Digital Loan Experience We’ve enhanced our digital mortgage, home equity and personal loan application process so customers can work with Cape Cod 5 from anywhere.

Continued to Expand our Services in Plymouth We announced plans for two new Banking Centers in Plymouth at The Pinehills and on Commerce Way.

Renovated Banking Centers Our full-service Banking Centers in Yarmouth and East Harwich underwent extensive interior renovations to improve the customer experience.

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Here for your business

“

We continue to choose Cape Cod 5 as our primary bank for many reasons: they are an incredibly understanding bank for small businesses; they recognize the aspects of real estate and development of properties and create long lasting relationships with their customers. Their professionalism is central and is admirable, and the friendliness and support of the staff overall is stupendous.

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— BARRY TASSINARI, TASSINARI CONSTRUCTION INC.

When it comes to managing your business, you need a financial partner that you can turn to for advice during good times and challenges. Cape Cod 5’s team of experienced professionals will be there with you each step of the way. From just starting out to handling your day-to-day finances to growing your business, we make it smoother with commercial loan options, treasury management services and business banking accounts.

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Our Monomoy Relationship Team, one of 10 hyperlocal teams serving businesses and consumers across our region

Prioritizing Efficiency, Security and Convenience We’ve made enhancements to our business banking and Treasury Management services to better support you, so that you can work with us when and where you want.

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Tammy

I cannot say enough about the Photo professionalism and true caring that every single member of the Cape Cod 5 team has for me, my business, my needs and those of others. It is a pleasure collaborating with them in helping our clients and community meet their needs, achieve their goals and reap the benefits of their hard work.

Cape Cod 5 helps make dreams come true.

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—T AMMY SABEN, GLIVINSKI & ASSOCIATES, INC.

MORE THAN Making it Easier to Manage Your Business Finances Integrated Autobooks (a payment and account product suite designed for small and micro-businesses) into digital banking channels for business customers.

99%

of PPP Loans Received Forgiveness in 2022

#9

Largest SBA Lender in Massachusetts in 2022

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Here for our employees

Cape Cod 5 continues to foster a caring and inclusive work environment where each employee can grow and develop and feels supported professionally and personally. Our team of 577 dedicated employees work collaboratively in service to our customers, communities and one another. For the last five years, Cape Cod 5 has been recognized nationally and locally as a top workplace.

2022 EMPLOYER AWARDS & DESIGNATIONS

Best Overall Company to Work For

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Annual Employee Celebration Event

Continued Focus on Wellness We expanded the range of benefits and programs offered that support our employees’ mental and physical health and contribute to their overall wellbeing.

Increased Employee Paid Time Off Beginning in 2022, all employees were offered four weeks of Paid Time Off, regardless of tenure or role. Cape Cod 5 believes that all employees deserve flexibility and time for themselves.

2022 Summer Interns

“

It is extremely comforting to know that the Bank truly cares about their employees, their families and their health and safety.

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— TIM CABRAL, CAPE COD 5 EMPLOYEE

39

Interns Employed in Various Roles Across the Bank in 2022

~ In memory of our two dear colleagues: Rich DeWitt and Ed Rubel ~ 13

Here for our community

At Cape Cod 5, our community engagement is foundational to who we are. We’re committed to working collaboratively with others to continue to build vital, vibrant and sustainable communities. We’ve identified five areas to focus our resources and capabilities, where we consider ourselves well positioned to make a positive impact. We’ve outlined here some of our efforts in these areas.

5 WAYS OF ENGAGEMENT

Community Banking

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Responsible Business Practices

Corporate Leadership and Volunteerism

Advancement of Financial Know-How

Philanthropy

We have focused our efforts in the following areas of need: • Accessible Housing • Education & Enrichment • Economic Sustainability • Environmental Stewardship • Community Health, Human Need and Active Service Members’ and Veterans’ Needs

2,239

Hours of Employee Community Service

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$1.71 Million

in Philanthropic Giving through Bank Sponsorships and Foundation Grants

We truly are blessed to include the Cape Cod 5 among our community supporters. Without question, the challenges of homelessness, affordable housing and food insecurity seem insurmountable. That said, I am confident that with dear friends and partners like you, and the growth of programs to provide education and skills to those in need, we will break the cycle of poverty.

— SUZANNE GIOVANETTI, PLYMOUTH AREA COALITION FOR THE HOMELESS

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Here to help create a more inclusive and sustainable tomorrow

Corporate Responsibility & Sustainability is the lens through which we look at everything that we do at Cape Cod 5 to put care for people and our planet first and has long been part of how we conduct our business. Our efforts to always do what is right fall into five broad areas: our people; environmental sustainability; economic vitality; access and inclusion; and innovative & responsible business. In addition to many shared throughout this report, we’ve highlighted a few recent examples here.

Focus on Renewable Energy Sources In 2022, we expanded our pursuit of renewable energy through the installation of a solar canopy over our parking garage at our headquarters, HQ5.

Between both the new canopy and our existing solar array over HQ5, by our estimates, we will provide enough green energy to power 75% of the building’s annual usage.

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Helping Our Customers Protect Their Information We educate our customers in data privacy and information security best practices by offering seminars, webinars and articles on our website Security Center about Fraud Awareness and Prevention, so that our customers can protect themselves from scams.

In 2022, Cape Cod 5 was highlighted

by AARP for our employees’ efforts to protect customers from financial abuse, and the Bank maintained its BankSafe certification.

D I V E R S I T Y & I N C L U S I O N S TAT E M E N T

Our differences make us stronger.

As part of our mission of enriching lives, Cape Cod 5 recognizes that each financial journey is as unique as the individual making it.

Our goal is to help empower everyone along the way. Cape Cod 5 is committed to inclusivity and we celebrate diversity of all kinds — age, race, ethnicity, gender, sexual orientation, religion, veteran status, education, occupation, financial know-how, neurodiversity and physical abilities, lived experiences and backgrounds. We encourage our employees to bring their authentic selves to everything they do and we will continue to work to foster a respectful environment.

We uphold these principles in our relationships with business and community partners, as well.

We’re proud to learn from one another, our customers and our community members, and hope that you’ll join us in listening to understand and create a more equitable and inclusive world.

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Here for the future because of our strength and stability 2022 FINANCIALS TOTAL ASSETS AT DECEMBER 31 (IN THOUSANDS)

Consolidated Balance Sheets*

$6,000,000

At December 31, 2022

$4,500,000

2021

($ In Thousands)

$3,000,000

ASSETS Cash and cash equivalents

$37,472

$367,1 62

$1,500,000

Investment securities

520,65 1

464,2 1 0

Residential real estate

3,558,857

2,647,649

Commercial real estate

775,8 1 5

738,24 1

Commercial and industrial

1 1 2,92 2

1 67,8 1 3

Consumer

50,066

53,323

Gross loans

4,497,660

3,607,026

(22,22 7)

(23,1 88)

4,475,433

3,583,838

Other assets

238,375

200,0 1 4

Total assets

$5,27 1,93 1

$4,6 1 5,224

$0

2018

2019

2020

2021

2022

LOANS AT DECEMBER 31 (IN THOUSANDS) $7,000,000

Allowance for loan losses

$5,250,000

Net loans

$3,500,000 $1,750,000 $0

Loans:

2018

2019

2020

Portfolio

2021

2022

Investors

LIABILITIES AND RETAINED EARNINGS Deposits

DEPOSITS AT DECEMBER 31 (IN THOUSANDS) $4,200,000 $3,150,000

$4,097,1 52

Wholesale funding

583,805

1 ,7 1 5

Subordinated debt

49,485

49,304

Other liabilities

41 ,658

3 1 ,290

Total liabilities

4,828,557

4,1 79,46 1

443,374

435,763

$5,271,931

$4,6 1 5,224

Retained earnings

$2,100,000

$4,153,609

Total liabilities and $1,050,000 $0

retained earnings 2018

2019

2020

2021

2022

* Unaudited; Includes The Cape Cod Five Cents Savings Bank and the Cape Cod Five Mutual Company.

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“

At Cape Cod 5, we’re always looking toward the future. Our financial strength and mutuality (no stockholders) mean that earnings remain local and are reinvested into our technology, physical facilities and ability to serve customers, employees and communities.

— BERT TALERMAN, PRESIDENT, CAPE COD 5

Consolidated Income Statements* Years Ended December 31, 2022

2021

($ In Thousands) Interest income

$1 58,694

$1 35,049

Interest expense

(1 4,5 1 8)

(7,289)

1 44,1 76

1 27,760

(1 ,000)

(5,750)

Net interest income Credit for loan losses credit for loan losses

1 45, 1 76

$50,000

1 . 1 0%

$37,500

0.83%

$25,000

0.55%

$12,500

0.27 %

1 33,5 1 0

Non-interest income

27,8 1 7

38,85 1

Operating expenses

(1 20,805)

(1 09,956)

52, 1 88

62,405

Provision for income taxes

(1 2,7 1 0)

(1 4,797)

Net Income

$39,478

$47,608

2018

2019

Net Income

2020

2021

2022

0.00%

Return on Average Assets

CAPITAL AT DECEMBER 31 (IN THOUSANDS)

Income before provision for income taxes

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NET INCOME YEARS ENDED DECEMBER 31 (IN THOUSANDS)

$0

Net interest income after

Cape Cod 5 has received the “Best of Bauer” Award in recognition of its superior 5-star rating for 31 years running.

$500,000 $375,000 $250,000 $125,000

Performance Ratios*

$0

2018

2019

2020

2021

2022

Years Ended December 31, 2022

2021

Return on average assets

0.8 1 %

1.05%

Net interest margin

3. 1 1 %

2.98%

$1,500,000

0.00%

0.00%

$1,000,000

70.62%

65.52%

0.57%

0.86%

2.48%

2.42%

WEALTH MANAGEMENT SERVICES ASSETS AT DECEMBER 31 (IN THOUSANDS) $2,000,000

Net charge-offs (recoveries) to average loans Efficiency ratio Non-interest income to average assets Non-interest expense to average assets

$500,000 $0

2018

2019

2020

2021

2022

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Trustees/Directors

Dorothy A. Savarese Executive Chair

Thomas M. Evans Vice Chair

Matthew S. Burke

Jane M. Coderre

John C. Dawley

Darren J. Donovan

Karen L. Gardner

Paul E. Grover

John J. Judge

Chester N. Lay

Bruce D. Miller

James A. Peterson

Melissa D. Philbrick

Paul Rumul

Tammy A. Saben

Robert A. Talerman

Denise M. Toomey

Daniel A. Wolf

Senior Leadership Team

Matthew S. Burke

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Robert A. Talerman

Top row: Executive Management Team

Christopher E. Richards

Joel J. Brickman

Stephanie M. Dennehy Stephen H. Johannessen

Emilie L. Bajorek

Paul R. Bernier

Liam Cahill

Vanessa L. Greene

Elizabeth S. Hammann

Timothy F. Kelleher III

Jason R. Lilly

Christina L. Mallard

Kevin A. Mooney

James C. O’Conor

Andrea L. Ponte

Christopher W. Raber

Adrian M. Sullivan

Angelique K. Viamari

Taryn M. Wilson

Laura E. Newstead

Corporators Shawn J. Almeida

Melinda S. Gallant

Laura Lorusso Peterson

Barbara Stone Amidon

Karen L. Gardner*

Wayne D. Petty

Paul B. Bergquist

Margaret A. Geist

Melissa D. Philbrick*

Anne Bailey Berman

Paul E. Grover*

John E. Pina

Karen L. Bissonnette

Lisa C. Guyon

Diana C. Pisciotta

Jitka Borowick

Wendy Harman

Frederic B. Presbrey

Patricia M. Bridier

Frank J. Harrison

Melanie M. Rabeni

David A. Brown

G. Howard Hayes

Kurt E. Raber

Christine L. Bruno

Joseph C. Jasie

Penelope Frances Randolph

Matthew S. Burke*

Christopher J. Joyce

John C. Ricotta

Lyle B. Butts

John J. Judge*

John A. Roberts, III

Douglas M. Cabral

Peter Karlson

David T. Robinson

Howard C. Cahoon, Jr.

Chester N. Lay*

Mark H. Robinson

F. Timothy Carroll

Eileen Leary

Paul Rumul*

Carl F. Cavossa, Jr.

James F. Leighton

Tammy A. Saben*

Robert C. Chamberlain

Jo-Ann M. LeMoine

Brett A. Sanidas

Olive M. Chase

Geoffrey F. Lenk

Dorothy A. Savarese*

Jay H. Coburn

Richard J. Leonard

Judy Walden Scarafile

Jane M. Coderre*

William G. Litchfield

Lisa F. Sherman

Lynn Comandich

Nancy S. Lowery

Carol W. Sim

Geoghan Coogan

J. Bruce MacGregor

John P. Simison

Paul Covell

Robert A. Maffei

Andrew L. Singer

Robert J. Crane, Jr.

George W. Malloy

Patti Smith

John C. Dawley*

Linda Ann Markham

Robert C. Smith

Shawn DeLude

Brian C. McGrath

Sidney H. Snow

Benjamin W. deRuyter

Christopher J. Megan

Lawrence O. Spaulding, Jr.

Penelope Dey

Bruce D. Miller*

Robert A. Talerman*

David H. Doherty

Lida N. Miner

Harry S. Terkanian

William A. Doherty, Jr.

Carey M. Murphy

Todd G. Thayer

Darren J. Donovan*

Lester J. Murphy, Jr.

Denise M. Toomey*

Stephen L. Doyle

Susan L. Nickerson

James F. Trainor

Michael A. Dunning

Virginia Nickerson

Christopher J. Ward

Charles E. Eastman, Jr.

Joshua A. Nickerson, Jr.

Richard Waystack

Sheila O’Brien Egan

Mark J. Novota

John L. Whelan

Thomas A. Eldredge

David I. Oppenheim

Seth Wilkinson

Thomas M. Evans*

Paulo Vitor P. Paraguay

Daniel A. Wolf*

Diane Falla

Katherine Fulham Parcels

Benjamin E. Zehnder

John P. Farrell

Joseph A. Pellegrino

George Zografos

Steven R. Fedele

James A. Peterson*

* Indicates Trustee/Director

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Thank You, Dorothy After 30 years at Cape Cod 5, our Executive Chair and former Chief Executive Officer Dorothy Savarese will be retiring in May 2023. We wanted to take a quick look back at some of the highlights of her years with the Bank and service to our customers, communities and the banking industry.

Dorothy, on behalf of everyone here at Cape Cod 5, you’ve touched the lives of so many through your leadership. Thank you!

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CONTACT US Customer Service Center: 888-225-4636 customerservice@capecodfive.com Location details & hours are available at capecodfive.com/locations

BANKING CENTERS & ATMS Brewster Centerville Chatham Dennis East Harwich Eastham Edgartown Falmouth Harwich Port Hyannis Mashpee

Nantucket

• Main St • Pleasant St

Orleans Plymouth

•C ommerce Way (coming soon) • The Pinehills

Provincetown Sandwich Vineyard Haven Wareham Wellfleet Yarmouth

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LENDING & WEALTH MANAGEMENT OFFICES Marion Plymouth Vineyard Haven

TRUST & ASSET MANAGEMENT OFFICES Hyannis

CORPORATE HEADQUARTERS Hyannis

ADDITIONAL ATM LOCATIONS Barnstable Village North Falmouth Plymouth Yarmouth Port

Orleans NMLS #401717 Member FDIC