A Message from the President: Looking Ahead to 2024 at Bay State Savings Bank! December 29, 2023 Overall, it’s been an exciting year of growth and transition for your community bank. As the year wraps up, we want to take this opportunity to thank all our clients, colleagues, and friends for their support and to wish everyone the best of luck and success in 2024. We look forward to continuing to evolve and grow in the coming year, and we will always aim to provide our clients with great experiences and great solutions that meet their needs. We understand the integral role we play in our local economies, and we are dedicated to supporting your goals for many years to come. Bay State Savings Bank is successful because local communities continue to support local banking. We are very grateful for your continued partnership, and we look forward to a bright future together. From our family to yours, we wish you a happy and safe 2024, Seth A. Pitts President & CEO