*You may elect one-time over the life of your mortgage to switch to a lower rate associated with your original 30 year fixed rate mortgage product as published by Watertown Savings Bank. Upon your rate change election, the new rate will apply to the remaining term of your WSB mortgage based on the original maturity date of your mortgage. At the time of the WSB rate reduction, your mortgage must be current and have experienced no delinquencies in the prior 180 days. Offer for owner-occupied properties only. Rates are also based on 80% CLTV and a credit score of 740 or higher. Subject to credit approval. All rates are subject to change without notice. Rate shown above reflects the auto pay option. To qualify for our autopay rate, your monthly mortgage payments must be automatically withdrawn from a WSB Checking Account, and a WSB debit card activated. Should you cancel your automated monthly withdrawal, your interest rate will change to the non-autopay rate. Non-autopay rates are .25% higher. APR is based on $400,000 loan amount for a conforming fixed rate and $766,551 for a jumbo fixed rate loan product. Term 30 years. 1st Time Homebuyer: 360 monthly payments with a principal and interest payment of $6.24 per $1,000 borrowed. WSB Fixed Rate Mortgage - Conforming & Jumbo - Purchase & Refinance: 360 monthly payments with a principal and interest payment of $6.33 per $1,000 borrowed. The payment shown does not include taxes and insurance. Your payment may be greater. There will be a $1,000.00 documentation and rate change fee should you opt to reduce to a lower rate. You may elect one-time over the life of your mortgage to switch to a lower rate on a 30-year fixed-rate mortgage as published by Watertown Savings Bank. Upon your rate change election, the new rate will apply to the remaining term of your WSB mortgage at the beginning of your next payment cycle and will be based on the original maturity date of your mortgage. At the time of the WSB Rate reduction, your mortgage must be current and have experienced no delinquencies in the prior 180 days. Other fees may apply. Please refer to our mortgage rate sheet for more details.

• Offer available to new Watertown Savings Bank (“WSB”) Customers or current WSB customers who do not have a checking account on or before June 1, 2024. Offer not eligible for those who have previously taken advantage of any other checking offer. Requirements:
• (1) Open any new WSB checking account, subject to Bank approval. Minimum deposit at account opening is $10. To open an account, visit a WSB branch location or submit an online application and mention/put in promo code Checking at the time of account opening.
• (2) Receive direct deposits for at least three consecutive months from account opening, totaling at least $1,500 or more.
• (3) Maintain an active account. A checking account is “Active” if not dormant. A dormant account is a checking account showing no activity other than posting interest for a period of greater than 90 days. Maintain an active account by using the WSB debit card and enrolling in WSB Online and/or the WSB Mobile Banking app.
• (4) For online account opening, customer should be a resident in one of the following towns where WSB has a branch location: Arlington, Belmont, Lexington, Newton, Waltham, and Watertown. We invite other MA residents to stop by a local WSB branch to inquire about their eligibility for this offer.
• The $250 reward will be deposited to the new WSB Checking account within 120 days of account opening, provided that the customer has satisfied the foregoing requirements. Any taxes due related to this Offer are the responsibility of the recipient. Offer valid until August 31, 2024. Not valid if combined with other offers. Offer subject to change without notice.