Document:

AMENDED AND RESTATED EXECUTIVE SALARY CONTINUATION AGREEMENT

 Exhibit 10.3 
 AMENDED AND RESTATED EXECUTIVE SALARY 
 CONTINUATION AGREEMENT

 THIS AGREEMENT, made and entered into this 17th day of October, 2007, by and between
Wellesley Bank, a bank organized and existing under the laws of the Commonwealth of Massachusetts (hereinafter referred to as the “Bank”), and Thomas J. Fontaine, an Executive of the Bank (hereinafter referred to as the
“Executive”), a member of a select group of management and highly compensated employees of the Bank shall amend and restate the Executive Salary Continuation Agreement effective June 1, 2007. 

WHEREAS, the Executive has been and continues to be a valued Executive of the Bank; 

WHEREAS, the purpose of this Agreement is to further the growth and development of the Bank by providing the Executive with
supplemental retirement income, and thereby encourage the Executive’s productive efforts on behalf of the Bank and the Bank’s depositors, and to align the interests of the Executive and those depositors. 

WHEREAS, it is the desire of the Bank and the Executive to enter into this Agreement under which the Bank will agree to make
certain payments to the Executive at retirement or the Executive’s Beneficiary in the event of the Executive’s death pursuant to this Agreement; 
 ACCORDINGLY, it is intended that the Agreement be “unfunded” for purposes of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) and not be construed to
provide income to the participant or Beneficiary under the Internal Revenue Code of 1986, as amended (the “Code”), particularly Section 409A of the Code and guidance or regulations issued thereunder, prior to actual receipt of
benefits; and 
 THEREFORE, it is agreed as follows: 

 

	I.	EFFECTIVE DATE 

 The
Effective Date of this Agreement shall be June 1,2007. 
  

	II.	FRINGE BENEFITS 

 The
salary continuation benefits provided by this Agreement are granted by the Bank as a fringe benefit to the Executive and are not part of any salary reduction plan or an arrangement deferring a bonus or a salary increase. The Executive has no option
to take any current payment or bonus in lieu of these salary continuation benefits except as set forth hereinafter. 

	III.	DEFINITIONS 

  

	 	A.	Beneficiary: 

 The
Executive shall have the right to name a Beneficiary of the Death Benefit. The Executive shall have the right to name such Beneficiary at any time prior to the Executive’s death and submit it to the Plan Administrator (or Plan
Administrator’s representative) on the form provided. Once received and acknowledged by the Plan Administrator, the form shall be effective. The Executive may change a Beneficiary designation at any time by submitting a new form to the Plan
Administrator. Any such change shall follow the same rules as for the original Beneficiary designation and shall automatically supersede the existing Beneficiary form on file with the Plan Administrator. 

If the Executive dies without a valid Beneficiary designation on file with the Plan Administrator, death benefits shall be paid to the
Executive’s estate. 
 If the Plan Administrator determines in its discretion that a benefit is to be paid to a minor, to a
person declared incompetent, or to a person incapable of handling the disposition of that person’s property, the Plan Administrator may direct distribution of such benefit to the guardian, legal representative or person having the care or
custody of such minor, incompetent person or incapable person. The Plan Administrator may require proof of incompetence, minority or guardianship as it may deem appropriate prior to distribution of the benefit. Any distribution of a benefit shall be
a distribution for the account of the Executive and the Beneficiary, as the case may be, and shall be a complete discharge of any liability under the Agreement for such distribution amount. 

 

	 	B.	Change in Control: 

“Change in Control” shall mean a change in ownership or control of the Bank as defined in Treasury Regulation
Section 1.409A-3(i)(5) or any subsequently applicable Treasury Regulation. The formation of a mutual holding company shall not constitute a Change in Control event. 

 

	 	C.	Discharge For Cause: 

 The
term “For Cause” shall mean any of the following that result in an adverse effect on the Bank: (i) the commission of a felony or gross misdemeanor involving fraud or dishonesty; (ii) the willful violation of any banking law,
rule, or banking regulation (other than a traffic violation or similar offense); (iii) an intentional failure to perform stated duties; or (iv) a breach of fiduciary duty involving personal profit. If a dispute arises

  
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 as to discharge “For Cause,” such dispute shall be resolved by arbitration as set
forth in this Agreement. In the alternative, if the Executive is permitted to resign due to inappropriate conduct as defined above, the Board of Directors may vote to deny all benefits. A majority decision by the Board of Directors is required for
forfeiture of the Executive’s benefits. 
  

	 	D.	Plan Year: 

 Any reference to “Plan Year” shall mean a calendar year from January 1st to December 31st. In the year of implementation, the term “Plan Year” shall mean the period from the Effective Date to
December 31st of the year of the Effective Date.

  

	 	E.	Restriction on Timing of Distribution: 

 Notwithstanding any provision of this Agreement to the contrary, distributions to the Executive may not commence earlier than six (6) months after the date of a Separation from Service, as that term
is used under Section 409A if, pursuant to Internal Revenue Code Section 409A, the Executive is considered a “specified employee” under Internal Revenue Code Section 416(i), of the Bank if any stock of the Bank is publicly
traded on an established securities market or otherwise. In the event a distribution is delayed pursuant to this paragraph, the originally scheduled payment shall be delayed for six (6) months, and shall commence instead on the first day of the
seventh month following Separation from Service. If payments are scheduled to be made in installments, the first six (6) months of installment payments shall be delayed, aggregated, and paid instead on the first day of the seventh month, after
which all installment payments shall be made on their regular schedule. If payment is scheduled to be made in a lump sum, the lump payment shall be delayed for six (6) months and instead be made on the first day of the seventh month.

  

	 	F.	Retirement Date: 

 “Retirement Date” shall mean the later of the Executive’s sixty-fifth (65th) birthday or Separation from Service. 

 

	 	G.	Normal Retirement Age: 

 “Normal Retirement Age” shall mean the date on which the Executive attains age sixty-five (65). 

  
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	 	H.	Separation from Service: 

“Separation from Service” shall mean the Executive has experienced a termination of employment with the Bank. For purposes of
this Agreement, whether a termination of employment or service has occurred is determined based on whether the facts and circumstances indicate that the Bank and Executive reasonably anticipated that no further services would be performed after a
certain date or that the level of bona fide services the Executive would perform after such date (whether as an Executive or as an independent contractor) would permanently decrease to no more than twenty percent (20%) of the average level of
bona fide services performed (whether as an Executive or an independent contractor) over the immediately preceding thirty-six (36) month period (or the full period of services to the Bank if the Executive has been providing services to the Bank
less than 36 months). Facts and circumstances to be considered in making this determination include, but are not limited to, whether the Executive continues to be treated as an Executive for other purposes (such as continuation of salary and
participation in Executive benefit programs), whether similarly situated service providers have been treated consistently, and whether the Executive is permitted, and realistically available, to perform services for other service recipients in the
same line of business. An Executive will be presumed not to have separated from service where the level of bona fide services performed continues at a level that is fifty percent (50%) or more of the average level of service performed by the
Executive during the immediately preceding thirty-six (36) month period. 
  

	IV.	RETIREMENT BENEFIT 

 Upon
attainment of the Retirement Date, the Bank, shall pay the Executive a lump sum benefit amount, equivalent to a fifteen (15) year benefit, equal to eighty-five percent (85%) of the Executive’s highest W-2 compensation earned by the
Executive in any calendar year of employment with the Bank plus any reductions from the Executive’s personal contributions to a qualified retirement plan (401(k), less the following: (i) the Bank’s portion of social security benefits;
(ii) the Bank’s qualified defined benefit plan; and (iii) the Bank’s match in the Bank provided 401(k) plan. W-2 wages shall include all compensation including salary, bonuses, and other compensation plus any reductions for
salary deferred as a contribution by the Executive to the Bank provided 401(k) plan and any salary reductions attributed to the Executive’s contributions to the Bank’s medical savings plan. Said benefit shall be paid thirty (30) days
following the Executive’s Separation from Service. 
  

	V.	DEATH BENEFIT 

 In the
event the Executive should die at any time after the Effective Date of this 

  
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Agreement, the Bank will pay the accrued balance on the date of death, of the Executive’s Accrued Liability Retirement Account in one (l) lump sum to the Executive’s Beneficiary.
Said payment due hereunder shall be made within sixty (60) days of the Executive’s death. 
  

	VI.	BENEFIT ACCOUNTING/ ACCRUED LIABILITY RETIREMENT ACCOUNT 

 The Bank shall account for this benefit using the regulatory accounting principles of the Bank’s primary federal regulator. The Bank shall establish an Accrued Liability Retirement Account for the
Executive into which appropriate reserves shall be accrued. The Bank and the Executive agree that calculations impacting the reserve account and payment under this Agreement shall be made, when applicable, using a discount rate of six and one
quarter percent (6.25%). 
  

	VII.	VESTING 

 The Executive
shall be one hundred percent (100%) vested in the Accrued Liability Retirement Account from the Effective Date of this Agreement. 
  

	VIII.	 TERMINATION OF EMPLOYMENT 

 In the event that the employment of the Executive shall terminate prior to the Normal Retirement Age, by the Executive’s voluntary action, or by the Executive’s discharge by the Bank with or
without cause, then the Bank shall pay to the Executive an amount of money equal to balance of the Executive’s Accrued Liability Retirement Account on the date of Separation from Service. Such balance shall be paid in one (1) lump sum the
first day of the second month following said Separation from Service. 
  

	IX.	CHANGE IN CONTROL 

 Upon a
Change in Control, the Executive shall become one hundred percent (100%) vested in the Retirement Benefit. The Executive shall receive the Retirement Benefit as if the Executive had been continuously employed by the Bank until the
Executive’s Normal Retirement Age. Such benefit shall be paid in accordance with Paragraph IV, commencing on the first day of the month following the Executive’s Normal Retirement Age. 

 

	X.	RESTRICTIONS ON FUNDING 

The Bank shall have no obligation to set aside, earmark or entrust any fund or money with which to pay its obligations under this
Agreement. The Executive, their beneficiary(ies), or any successor in interest shall be and remain simply a general creditor of the Bank in the same manner as any other creditor having a general claim for matured and unpaid compensation. 

  
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 The Bank reserves the absolute right, at its sole discretion, to either fund the obligations
undertaken by this Agreement or to refrain from funding the same and to determine the extent, nature and method of such funding. Should the Bank elect to fund this Agreement, in whole or in part, through the purchase of life insurance, mutual funds,
disability policies or annuities, the Bank reserves the absolute right, in its sale discretion, to terminate such funding at any time, in whole or in part. At no time shall any Executive be deemed to have any lien, right, title or interest in any
specific funding investment or assets of the Bank. 
 If the Bank elects to invest in a life insurance, disability or annuity
policy on the life of the Executive, then the Executive shall assist the Bank by freely submitting to a physical exam and supplying such additional information necessary to obtain such insurance or annuities. 

 

	XII.	MISCELLANEOUS 

  

	 	A.	Alienability and Assignment Prohibition: 

 Neither the Executive nor any Beneficiary under this Agreement shall have any power or right to transfer, assign, anticipate, hypothecate, mortgage, commute, modify or otherwise encumber in advance any of
the benefits payable hereunder nor shall any of said benefits be subject to seizure for the payment of any debts, judgments, alimony or separate maintenance owed by the Executive or the Executive’s Beneficiary, nor be transferable by operation
of law in the event of bankruptcy, insolvency or otherwise. 
  

	 	B.	Amendment or Revocation: 

Subject to Paragraph XIV, it is agreed by and between the parties hereto that, during the lifetime of the Executive, this Agreement may be
amended or revoked at any time or times, in whole or in part, by the mutual written consent of the Executive and the Bank. Any such amendment shall not be effective to decrease or restrict any Executive’s accrued benefit under this Agreement,
determined as of the date of amendment, unless agreed to in writing by the Executive, and provided further, no amendment shall be made, or if made, shall be effective, if such amendment would cause the Agreement to violate Internal Revenue Code
Section 409A. 
  

	 	C.	Applicable Law: 

 The
validity and interpretation of this Agreement shall be governed by the laws of the Commonwealth of Massachusetts. 

  
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	 	D.	Binding Obligation of the Bank and any Successor in Interest: 

 The Bank shall not merge or consolidate into or with another bank or sell substantially all of its assets to another bank, firm or person until such bank, firm or person expressly agree, in writing, to
assume and discharge the duties and obligations of the Bank under this Agreement. This Agreement shall be binding upon the parties hereto, their successors, beneficiaries, heirs and personal representatives. 

 

	 	E.	Gender: 

 Whenever in this
Agreement words are used in the masculine or neutral gender, they shall be read and construed as in the masculine, feminine or neutral gender, whenever they should so apply. 

 

	 	F.	Headings: 

 Headings and
subheadings in this Agreement are inserted for reference and convenience only and shall not be deemed a part of this Agreement. 
  

	 	G.	Not a Contract of Employment: 

 This Agreement shall not be deemed to constitute a contract of employment between the parties hereto, nor shall any provision hereof restrict the right of the Bank to discharge the Executive, or restrict
the right of the Executive to terminate employment. 
  

	 	H.	Opportunity to Consult with Independent Advisors: 

 The Executive acknowledges that he has been afforded the opportunity to consult with independent advisors of his choosing including, without limitation, accountants or tax advisors and counsel regarding
both the benefits granted to him under the terms of this Agreement and the: (i) terms and conditions which may affect the Executive’s right to these benefits; and (ii) personal tax effects of such benefits including, without
limitation, the effects of any federal or state taxes, Section 280G of the Code, Section 409A of the Code and guidance or regulations thereunder, and any other taxes, costs, expenses or liabilities whatsoever related to such benefits,
which in any of the foregoing instances the Executive acknowledges and agrees shall be the sole responsibility of the Executive notwithstanding any other term or provision of this Agreement. The Executive further acknowledges and agrees that the
Bank shall have no liability whatsoever related to any such personal tax effects or other personal costs, expenses, or liabilities applicable to the Executive and further specifically waives any right for himself or herself, and his or her

  
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 heirs, beneficiaries, legal representative, agents, successor and assign to claim or assert
liability on the part of the Bank related to the matters described above in this paragraph. The Executive further acknowledges that he has read, understands and consents to all of the terms and conditions of this Agreement, and that he enters into
this Agreement with a full understanding of its terms and conditions. 
  

	 	I.	Partial Invalidity: 

 If
any term, provision, covenant, or condition of this Agreement is determined by an arbitrator or a court, as the case may be, to be invalid, void, or unenforceable, such determination shall not render any other term, provision, covenant, or condition
invalid, void, or unenforceable, and the Agreement shall remain in full force and effect notwithstanding such partial invalidity. 
  

	 	J.	Permissible Acceleration Provision: 

 Under Treasury Regulation Section 1.409A-3(j)(4), a payment of deferred compensation may not be accelerated except as provided in regulations by the Internal Revenue Code. This Agreement allows all
permissible payment accelerations under 1.409A-3(j)(4) that include but are not limited to payments necessary to comply with a domestic relations order, payments necessary to comply with certain conflict of interest rules, payments intended to pay
employment taxes, and other permissible payments are allowed as permitted by statute or regulation. 
  

	 	K.	Subsequent Changes to Time and Form of Payment: 

 The Bank may permit subsequent changes to the time and form of payment. Any such change shall be considered made only when it becomes irrevocable under the terms of the Agreement. Any subsequent time and
form of payment changes will be considered irrevocable not later than thirty (30) days following acceptance of the change by the Plan Administrator, subject to the following rules: 

 

	 	a.	the subsequent change may not take effect until at least twelve (12) months after the date on which the change is made; 

 

	 	b.	the payment (except in the case of death, disability, or unforeseeable emergency) upon which the change is made is deferred for a period of not less than five
(5) years from the date such payment would otherwise have been paid; and 

  

	 	c.	in the case of a payment made at a specified time, the change must be made not less than twelve (12) months before the date the payment is scheduled to be paid.

  
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	 	L.	Tax Withholding: 

 The
Bank shall withhold any taxes that are required to be withheld from the benefits provided under this Agreement. The Executive acknowledges that the Bank’s sole liability regarding taxes is to forward any amounts withheld to the appropriate
taxing authority(ies). 
  

	XIII. 	ADMINISTRATIVE AND CLAIMS PROVISIONS 

  

	 	A.	Plan Administrator: 

 The
“Plan Administrator” of this Agreement shall be Wellesley Bank. As Plan Administrator, the Bank shall be responsible for the management, control and administration of the Agreement. The Plan Administrator may delegate to others certain
aspects of the management and operation responsibilities of the Agreement including the employment of advisors and the delegation of ministerial duties to qualified individuals. 

 

	 	B.	Claims Procedure: 

  

	 	a.	Filing a Claim for Benefits: 

 Any insured, Beneficiary, or other individual, (“Claimant”) entitled to benefits under this Agreement will file a claim request with the Plan Administrator. The Plan Administrator will, upon
written request of a Claimant, make available copies of all forms and instructions necessary to file a claim for benefits or advise the Claimant where such forms and instructions may be obtained. If the claim relates to disability benefits, then the
Plan Administrator shall designate a sub-committee to conduct the initial review of the claim (and applicable references below to the Plan Administrator shall mean such sub-committee). 

 

	 	b.	Denial of Claim: 

 A
claim for benefits under this Agreement will be denied if the Bank determines that the Claimant is not entitled to receive benefits under the Agreement. Notice of a denial shall be furnished the Claimant within a reasonable period of time after
receipt of the claim for benefits by the Plan Administrator. This time period shall not exceed more than ninety (90) days after the receipt of the properly submitted claim. In the event that the claim for benefits pertains to disability, the
Plan Administrator shall provide written notice within forty-five (45) days. However, if the Plan Administrator determines, in its discretion, that an extension of 

  
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 time for processing the claim is required, such extension shall not exceed an additional
ninety (90) days. In the case of a claim for disability benefits, the forty-five (45) day review period may be extended for up to thirty (30) days if necessary due to circumstances beyond the Plan Administrator’s control, and for
an additional thirty (30) days, if necessary. Any extension notice shall indicate the special circumstances requiring an extension of time and the date by which the Plan Administrator expects to render the determination on review. 

 

	 	c.	Content of Notice: 

 The
Plan Administrator shall provide written notice to every Claimant who is denied a claim for benefits which notice shall set forth the following: 
  

	 	(i.)	The specific reason or reasons for the denial; 

  

	 	(ii.)	Specific reference to pertinent Agreement provisions on which the denial is based; 

 

	 	(iii.)	A description of any additional material or information necessary for the Claimant to perfect the claim, and any explanation of why such material or information is
necessary; and 

  

	 	(iv.)	Any other information required by applicable regulations, including with respect to disability benefits. 

 

	 	d.	Review Procedure: 

 The
purpose of the Review Procedure is to provide a method by which a Claimant may have a reasonable opportunity to appeal a denial of a claim to the Plan Administrator for a full and fair review. The Claimant, or his duly authorized representative,
may: 
  

	 	(i.)	Request a review upon written application to the Plan Administrator. Application for review must be made within sixty (60) days of receipt of written notice of
denial of claim. If the denial of claim pertains to disability, application for review must be made within one hundred eighty (180) days of receipt of written notice of the denial of claim; 

 

	 	(ii.)	Review and copy (free of charge) pertinent Agreement documents, records and other information relevant to the Claimant’s claim for benefits;

  
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	 	(iii.)	Submit issues and concerns in writing, as well as documents, records, and other information relating to the claim. 

 

	 	e.	Decision on Review: 

 A
decision on review of a denied claim shall be made in the following manner: 
  

	 	(i.)	The Plan Administrator may, in its sole discretion, hold a hearing on the denied claim. If the Claimant’s initial claim is for disability benefits, any review of a
denied claim shall be made by members of the Plan Administrator other than the original decision maker(s) and such person(s) shall not be a subordinate of the original decision maker(s). The decision on review shall be made promptly, but generally
not later than sixty (60) days after receipt of the application for review. In the event that the denied claim pertains to disability, such decision shall not be made later than forty-five (45) days after receipt of the application for
review. If the Plan Administrator determines that an extension of time for processing is required, written notice of the extension shall be furnished to the Claimant prior to the termination of the initial sixty (60) day period. In no event
shall the extension exceed a period of sixty (60) days from the end of the initial period. In the event the denied claim pertains to disability, written notice of such extension shall be furnished to the Claimant prior to the termination of the
initial forty-five (45) day period. In no event shall the extension exceed a period of thirty (30) days from the end of the initial period. The extension notice shall indicate the special circumstances requiring an extension of time and
the date by which the Plan Administrator expects to render the determination on review. 

  

	 	(ii.)	The decision on review shall be in writing and shall include specific reasons for the decision written in an understandable manner with specific references to the
pertinent Agreement provisions upon which the decision is based. 

  

	 	(iii.)	 The review will take into account all comments, documents, records and other information submitted by the Claimant relating to the claim without regard
to whether 

  
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such information was submitted or considered in the initial benefit determination. Additional considerations shall be required in the case of a claim for disability benefits. For example, the
claim will be reviewed without deference to the initial adverse benefits determination and, if the initial adverse benefit determination was based in whole or in part on a medical judgment, the Plan Administrator will consult with a health care
professional with appropriate training and experience in the field of medicine involving the medical judgment. The health care professional who is consulted on appeal will not be the same individual who was consulted during the initial determination
or the subordinate of such individual. If the Plan Administrator obtained the advice of medical or vocational experts in making the initial adverse benefits determination (regardless of whether the advice was relied upon), the Plan Administrator
will identify such experts. 

  

	 	(iv.)	The decision on review will include a statement that the Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all
documents, records or other information relevant to the Claimant’s claim for benefits. 

  

	 	f.	Exhaustion of Remedies: 

A Claimant must follow the claims review procedures under this Agreement and exhaust his or her administrative remedies before taking any
further action with respect to a claim for benefits. 
  

	 	C.	Arbitration: 

 If
claimants continue to dispute the benefit denial based upon completed performance of this Agreement or the meaning and effect of the terms and conditions thereof, then claimants may submit the dispute to an Arbitrator for final arbitration. The
Arbitrator shall be selected by mutual agreement of the Bank and the claimants. The Arbitrator shall operate under any generally recognized set of arbitration rules. The parties hereto agree that they and their heirs, personal representatives,
successors and assigns shall be bound by the decision of such Arbitrator with respect to any controversy properly submitted to it for determination. 
 Where a dispute arises as to the Bank’s discharge of the Executive “For Cause,” such dispute shall likewise be submitted to arbitration as above described and the parties hereto agree to be
bound by the decision thereunder. 

  
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	XIV.	TERMlNATION OR MODIFICATION OF AGREEMENT BY REASON OF CHANGES IN THE LAW, RULES OR REGULATIONS 

The Bank is entering into this Agreement upon the assumption that certain existing tax laws, rules and regulations will continue in effect
in their current form. If any said assumptions should change and said change has a detrimental effect on this Agreement, then the Bank reserves the right to terminate or modify this Agreement accordingly. Any such termination or modification shall
not be effective to decrease or restrict the Executive’s Accrued Liability Retirement Account under this Agreement, determined as of the date of amendment, unless agreed to in writing by the Executive, and provided further, no amendment shall
be made, or if made, shall be effective, if such termination or modification would cause the Agreement to violate Internal Revenue Code Section 409A. Upon a Change in Control, this paragraph shall become null and void effective immediately upon
said Change in Control. 
 IN WITNESS WHEREOF, the parties hereto acknowledge that each has carefully read this Agreement
and executed the original thereof on the first day set forth hereinabove, and that, upon execution, each has received a conforming copy. 
 WELLESLEY BANK 
 Wellesley, Massachusetts 

 

					
	 /s/ Eloise C. Thibault
	 	By:	 	 /s/ Theodore F. Parker

	Witness	 		 	(Bank Officer other than Executive) Title
			
		 		 	
	 /s/ Eloise C. Thibault
	 		 	 /s/ Thomas J. Fontaine

	Witness	 		 	Thomas J. FontaineFORM OF WELLESLEY BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

 Exhibit 10.4 
 FORM OF 
 WELLESLEY BANK 

SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 

 WELLESLEY BANK 
 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 
 Table of Contents 

 

									
		 	ARTICLE I	  	Introduction	  	 	1	  
				
		 	ARTICLE II	  	Definitions	  	 	1	  
				
		 	ARTICLE III	  	Eligibility and Participation	  	 	3	  
				
		 	ARTICLE IV	  	Benefits	  	 	4	  
				
		 	ARTICLE V	  	Accounts	  	 	5	  
				
		 	ARTICLE VI	  	Supplemental Benefit Payments	  	 	6	  
				
		 	ARTICLE VII	  	Claims Procedures	  	 	7	  
				
		 	ARTICLE VIII	  	Amendment and Termination	  	 	8	  
				
		 	ARTICLE IX	  	General Provisions	  	 	8	  

 ARTICLE I 
 INTRODUCTION 
 Section 1.01 Purpose, Design and Intent. 

 

	(a)	The purpose of the Wellesley Bank Supplemental Executive Retirement Plan (the “Plan”) is to assist Wellesley Bank (the “Bank”) in retaining the
services of key employees until their retirement, to induce such employees to use their best efforts to enhance the business of the Bank and its affiliates, and to provide certain supplemental retirement benefits to such employees, which cannot
otherwise be provided under certain tax-qualified retirement plans. 

  

	(b)	The Plan, in relevant part, is intended to constitute an unfunded “excess benefit plan” as defined in Section 3(36) of the Employee Retirement Income
Security Act of 1974, as amended. In this respect, the Plan is specifically designed to provide certain key employees with retirement benefits that would have been provided under various tax-qualified retirement plans sponsored by the Bank but for
the applicable limitations placed on benefits and contributions under such plans by various provisions of the Internal Revenue Code of 1986, as amended. 

 ARTICLE II 
 DEFINITIONS 

Section 2.01 Definitions. In this Plan, whenever the context so indicates, the singular or the plural number and the masculine or
feminine gender shall be deemed to include the other, the terms “he,” “his,” and “him,” shall refer to a Participant or a beneficiary of a Participant, as the case may be, and, except as otherwise provided, or unless
the context otherwise requires, the capitalized terms shall have the following meanings: 
 (a) “401(k) Plan” means
[401(k) Plan]. 
 (b) “Applicable Limitations” means one or more of the following, as applicable: 

 

	 	(i)	the maximum limitations on annual additions to a tax-qualified defined contribution plan under Section 415(c) of the Code; and 

 

	 	(ii)	the maximum limitation on the annual amount of compensation that may, under Section 401(a)(17) of the Code, be taken into account in determining contributions to
and benefits under tax-qualified plans; and 

  

	 	(iii)	the maximum limitations, under Section 401(k), 401(m), or 402(g) of the Code, on pre-tax contributions that may be made to a qualified defined contribution plan.

 (c) “Bank” means Wellesley Bank and its successors. 

(d) “Board of Directors” means the Board of Directors of the Bank. 
 (e) “Change in Control” means a change in control of the Bank or the Corporation as defined in Section 409A of the Code and rules, regulations, and guidance of general
application thereunder issued by the Department of the Treasury, including: 

  
 1 

	 	(i)	Change in ownership: a change in ownership of the Corporation occurs on the date any one person or group accumulates ownership of Corporation stock constituting
more than 50% of the total fair market value or total voting power of Corporation stock; or 

  

	 	(ii)	Change in effective control: (x) any one person or more than one person acting as a group acquires within a 12-month period ownership of Corporation
stock possessing 30% or more of the total voting power of Corporation stock, or (y) a majority of the Corporation’s board of directors is replaced during any 12-month period by directors whose appointment or election is not endorsed
in advance by a majority of the Corporation’s board of directors; or 

  

	 	(iii)	Change in ownership of a substantial portion of assets: a change in ownership of a substantial portion of the Corporation’s assets occurs if in a 12-month
period any one person or more than one person acting as a group acquires from the Corporation assets having a total gross fair market value equal to or exceeding 40% of the total gross fair market value of all of the Corporation’s assets
immediately before the acquisition or acquisitions. For this purpose, gross fair market value means the value of the Corporation’s assets, or the value of the assets being disposed of, determined without regard to any liabilities associated
with the assets. 

 (f) “Code” means the Internal Revenue Code of 1986, as amended. 

(g) “Committee” means the person(s) designated by the Board of Directors, pursuant to Section 9.02 of the Plan, to
administer the Plan. 
 (h) “Common Stock” means the common stock of the Corporation. 

(i) “Corporation” means Wellesley Bancorp, Inc. and its successors. 
 (j) “Eligible Individual” means any Employee who participates in the ESOP or 401(k) Plan, as the case may be, and whom the Board of Directors determines is one of a “select
group of management or highly compensated employees,” as such phrase is used for purposes of Sections 101, 201, and 301 of ERISA. 
 (k)
“Employee” means any person employed by the Bank or an Affiliate. 
 (l) “Employer” means the
Bank or Affiliate thereof that employs the Employee. 
 (m) “ERISA” means the Employee Retirement Income Security Act of
1974, as amended. 
 (n) “ESOP” means the Wellesley Savings Bank Employee Stock Ownership Plan, as amended from time to
time. 
 (o) “ESOP Acquisition Loan” means a loan or other extension of credit incurred by the trustee of the ESOP in
connection with the purchase of Common Stock on behalf of the ESOP. 
 (p) “ESOP Valuation Date” means any day as of
which the investment experience of the trust fund of the ESOP is determined and individuals’ accounts under the ESOP are adjusted accordingly. 
 (q) “Effective Date” means [date]. 

  
 2 

 (r) “Participant” means an Eligible Employee who is entitled to benefits under the
Plan. 
 (s) “Plan” means this Wellesley Bank Supplemental Executive Retirement Plan, as amended from time to time.

 (t) “Separation from Service” means a termination of a Participant’s services (whether as an employee or as an
independent contractor) to the Bank. Whether a Separation from Service has occurred shall be determined in accordance with the requirements of Section 409A of the Code based on whether the facts and circumstances indicate that the Bank and the
Participant reasonably anticipated that no further services would be performed after a certain date or that the level of bona fide services the Participant would performed after a certain date or (whether as an employee or as an independent
contractor) would permanently decrease to no more than twenty percent (20%) of the average level of bona fide services performed (whether as an employee or an independent contractor) over the immediately preceding thirty-six (36) month
period. 
 (u) “Supplemental ESOP Account” means an account established by an Employer, pursuant to Section 5.01 of
the Plan, with respect to a Participant’s Supplemental ESOP Benefit. 
 (v) “Supplemental ESOP Benefit” means the
benefit credited to a Participant pursuant to Section 4.01 of the Plan. 
 (w) “Supplemental Savings Account” means
an account established by an Employer, pursuant to Section 5.03 of the Plan, with respect to a Participant’s Supplemental Savings Benefit. 
 (x) “Supplemental Savings Benefit” means the benefit credited to a Participant pursuant to Section 4.03 of the Plan. 
 (y) “Supplemental Stock Ownership Account” means an account established by an Employer, pursuant to Section 5.02 of the Plan, with respect to a Participant’s Supplemental
Stock Ownership Benefit. 
 (z) “Supplemental Stock Ownership Benefit” means the benefit credited to a Participant
pursuant to Section 4.02 of the Plan. 
 ARTICLE III 

ELIGIBILITY AND PARTICIPATION 
 Section 3.01 Eligibility and Participation. 
  

	(a)	Each Eligible Employee may participate in the Plan. An Eligible Employee shall become a Participant in the Plan upon designation as such by the Board of Directors. An
Eligible Employee whom the Board of Directors designates as a Participant in the Plan shall commence participation as of the date established by the Board of Directors. The Board of Directors shall establish an Eligible Employee’s date of
participation at the same time it designates the Eligible Employee as a Participant in the Plan. 

  

	(b)	The Board of Directors may, at any time, designate an Eligible Employee as a Participant for any or all supplemental benefits provided for under Article IV of the Plan.

  
 3 

 ARTICLE IV 
 BENEFITS 
 Section 4.01 Supplemental ESOP Benefit. 

As of the last day of each plan year of the ESOP, the Employer shall credit the Participant’s Supplemental ESOP Account with a Supplemental ESOP
Benefit equal to the excess of (a) over (b), where: 
  

	(a)	Equals the annual contributions made by the Employer and/or the number of shares of Common Stock released for allocation in connection with the repayment of an ESOP
Acquisition Loan that would otherwise be allocated to the accounts of the Participant under the ESOP for the applicable plan year, if the provisions of the ESOP were administered without regard to any of the Applicable Limitations; and

  

	(b)	Equals the annual contributions made by the Employer and/or the number of shares of common stock released for allocation in connection with the repayment of an ESOP
Acquisition Loan that are actually allocated to the accounts of the Participant under the provisions of the ESOP for that particular plan year, after giving effect to any reduction of such allocation required by any of the Applicable Limitations.

 Section 4.02 Supplemental Stock Ownership Benefit. 

 

	(a)	Upon a Change in Control, the Employer shall credit to the Participant’s Supplemental Stock Ownership Account a Supplemental Stock Ownership Benefit equal to
(i) less (ii), the result of which is multiplied by (iii), where: 

  

	 	(i)	Equals the total number of shares of Common Stock acquired with the proceeds of all ESOP Acquisition Loans (together with any dividends, cash proceeds, or other medium
related to such ESOP Acquisition Loans) that would have been allocated or credited for the benefit of the Participant under the ESOP and/or this Plan, as the case may be, had the Participant continued in the employ of the Employer through the first
ESOP Valuation Date following the last scheduled payment of principal and interest on all ESOP Acquisition Loans outstanding at the time of the Change in Control; and 

 

	 	(ii)	Equals the total number of shares of Common Stock acquired with the proceeds of all ESOP Acquisition Loans (together with any dividends, cash proceeds, or other medium
related to such ESOP Acquisition Loans) and allocated for the benefit of the Participant under the ESOP and/or this Plan, as the case may be, as of the first ESOP Valuation Date following the Change in Control; and 

 

	 	(iii)	Equals the fair market value of the Common Stock immediately preceding the Change in Control. 

 

	(b)	For purposes of clause (i) of subsection (a) of this Section 4.02, the total number of shares of Common Stock shall be determined by multiplying the sum
of (i) and (ii) by (iii), where: 

  

	 	(i)	Equals the average of the total shares of Common Stock acquired with the proceeds of an ESOP Acquisition Loan and allocated for the benefit of the Participant under the
ESOP as of the three most recent ESOP Valuation Dates preceding the Change in Control (or lesser number if the Participant has not participated in the ESOP for three full years); 

  
 4 

	 	(ii)	Equals the average number of shares of Common Stock credited to the Participant’s Supplemental ESOP Account for the three most recent plan years of the ESOP (such
that the three most recent plan years coincide with the three most recent ESOP Valuation Dates referred to in (i) above); and 

  

	 	(iii)	Equals the original number of scheduled annual payments on the ESOP Acquisition Loan. 

 Section 4.03 Supplemental Savings Benefit. 
 A Participant’s Supplemental
Savings Benefit under the Plan shall be equal to the excess of (a) over (b), where: 
  

	(a)	is the sum of the matching contributions and other contributions of the Employer that would otherwise be allocated to an account of the Participant under the 401(k)
Plan for a particular year, if the provisions of the 401(k) Plan were administered without regard to any of the Applicable Limitations; and 

  

	(b)	is the sum of the matching contributions and other contributions of the Employer that are actually allocated on account of the Participant under the provisions of the
401(k) Plan for that particular year, after giving effect to any reduction of such allocation required by any of the Applicable Limitations. 

 ARTICLE V 
 ACCOUNTS 

Section 5.01 Supplemental ESOP Benefit Account. 
 For each Participant who is credited with a benefit pursuant to Section 4.01 of the Plan, the Employer shall establish, as a memorandum account on its books, a Supplemental ESOP Account. Each year,
the Committee shall credit to the Participant’s Supplemental ESOP Account the amount of benefits determined under Section 4.01 of the Plan for that year. The Committee shall credit the account with an amount equal to the appropriate number
of shares of Common Stock or other medium of contribution that would have otherwise been made to the Participant’s accounts under the ESOP but for the limitations imposed by the Code. Shares of Common Stock shall be valued under this Plan in
the same manner as under the ESOP. Cash contributions credited to a Participant’s Supplemental ESOP Account shall be credited annually with interest at a rate equal to the combined weighted return provided to the Participant’s non-stock
accounts under the ESOP. 
 Section 5.02 Supplemental Stock Ownership Account. 

The Employer shall establish, as a memorandum account on its books, a Supplemental Stock Ownership Account. Upon a Change in Control, the Committee shall
credit to the Participant’s Supplemental Stock Ownership Account the amount of benefits determined under Section 4.02 of the Plan. The Committee shall credit the account with an amount equal to the appropriate number of shares of Common
Stock or other medium of contribution that would have otherwise been made to the Participant’s accounts under the ESOP. Shares of Common Stock shall be valued under this Plan in the same manner as under the ESOP. Cash contributions credited to
a Participant’s Supplemental Stock Ownership Account shall be credited annually with interest at a rate equal to the combined weighted return provided to the Participant’s non-stock accounts under the ESOP. 

  
 5 

 Section 5.03 Supplemental Savings Account. 

The Employer shall establish a memorandum account on its books, a Supplemental Savings Account, for each Participant, and each year the Committee will
credit the amount of contributions determined under Section 4.03 of the Plan. Contributions credited to a Participant’s Supplemental Savings Account shall be credited monthly with interest at a rate equal to the combined weighted return
provided to the Participant’s account(s) under the 401(k) Plan. 
 ARTICLE VI 

SUPPLEMENTAL BENEFIT PAYMENTS 
 Section 6.01 Payment of Supplemental ESOP Benefit. 
  

	(a)	A Participant’s Supplemental ESOP Benefit shall be paid to the Participant or, in the event of the Participant’s death, to his beneficiary (as designated on a
form acceptable to the Employer), in a single lump sum cash payment as soon as administratively practicable, but in no event not later than sixty (60) days, following the Participant’s Separation from Service. 

 

	(b)	A Participant shall have a non-forfeitable right to the Supplemental ESOP Benefit credited to him under this Plan in the same percentage as he has with respect to
benefits allocated to him under the ESOP at the time the benefits become distributable to him under the ESOP. 

Section 6.02 Payment of Supplemental Stock Ownership Benefit. 

 

	(a)	A Participant’s Supplemental Stock Ownership Benefit shall be paid to the Participant or, in the event of the Participant’s death, to his beneficiary (as
designated on a form acceptable to the Employer), in a single lump sum cash payment as soon as administratively practicable, but in no event not later than sixty (60) days, following the Participant’s Separation from Service.

  

	(b)	A Participant shall always have a fully non-forfeitable right to the Supplemental Stock Ownership Benefit credited to him under this Plan. 

Section 6.03 Payment of Supplemental Savings Benefit. 
  

	(a)	A Participant’s Supplemental Savings Benefit shall be paid to the Participant or, in the event of the Participant’s death, to his beneficiary (as designated
on a form acceptable to the Employer) in a single sum cash payment, as soon as administratively practicable, but in no event not later than sixty (60) days, following the Participant’s Separation from Service. 

 

	(b)	A Participant shall have a non-forfeitable right to his Supplemental Savings Benefit under this Plan in the same percentage as he has to any matching contributions
under the 401(k) Plan at the time of his Separation from Service. 

 Section 6.04 Payment to Specified Employees.

 Notwithstanding anything in Article VI, if when a Separation from Service occurs the Participant is a “specified
employee” within the meaning of Section 409A of the Code, the benefit shall be paid to the Participant in a single lump sum cash payment without interest on the first business day of the seventh (7th) month after which the Participant incurs a Separation from
Service. 

  
 6 

 ARTICLE VII 
 CLAIMS PROCEDURES 
 Section 7.01 Claims Reviewer. 

For purposes of handling claims with respect to this Plan, the “Claims Reviewer” shall be the Committee, unless the Committee designates
another person or group of persons as Claims Reviewer. 
 Section 7.02 Claims Procedure. 

 

	(a)	An initial claim for benefits under the Plan must be made by the Participant or his beneficiary or beneficiaries in accordance with the terms of this Section 7.02.

  

	(b)	Not later than ninety (90) days after receipt of such a claim, the Claims Reviewer will render a written decision on the claim to the claimant, unless special
circumstances require the extension of such 90-day period. If such extension is necessary, the Claims Reviewer shall provide the Participant or the Participant’s beneficiary or beneficiaries with written notification of such extension before
the expiration of the initial 90-day period. Such notice shall specify the reason or reasons for the extension and the date by which a final decision can be expected. In no event shall such extension exceed a period of ninety (90) days from the
end of the initial 90-day period. 

  

	(c)	In the event the Claims Reviewer denies the claim of a Participant or any beneficiary in whole or in part, the Claims Reviewer’s written notification shall
specify, in a manner calculated to be understood by the claimant, the reason for the denial; a reference to the Plan or other document or form that is the basis for the denial; a description of any additional material or information necessary for
the claimant to perfect the claim; an explanation as to why such information or material is necessary; and an explanation of the applicable claims procedure. 

 

	(d)	Should the claim be denied in whole or in part and should the claimant be dissatisfied with the Claims Reviewer’s disposition of the claimant’s claim, the
claimant may have a full and fair review of the claim by the Committee upon written request submitted by the claimant or the claimant’s duly authorized representative and received by the Committee within sixty (60) days after the claimant
receives written notification that the claimant’s claim has been denied. In connection with such review, the claimant or the claimant’s duly authorized representative shall be entitled to review pertinent documents and submit the
claimant’s views as to the issues, in writing. The Committee shall act to deny or accept the claim within sixty (60) days after receipt of the claimant’s written request for review unless special circumstances require the extension of
such 60-day period. If such extension is necessary, the Committee shall provide the claimant with written notification of such extension before the expiration of such initial 60-day period. In all events, the Committee shall act to deny or accept
the claim within one hundred and twenty (120) days of the receipt of the claimant’s written request for review. The action of the Committee shall be in the form of a written notice to the claimant and its contents shall include all of the
requirements for action on the original claim. 

  

	(e)	In no event may a claimant commence legal action for benefits the claimant believes are due the claimant until the claimant has exhausted all of the remedies and
procedures afforded the claimant by this Article VII. 

  
 7 

 ARTICLE VIII 
 AMENDMENT AND TERMINATION 
 Section 8.01 Amendment of the Plan.

 The Bank may from time to time and at any time amend the Plan; provided, however, that such amendment may not adversely affect the rights
of any Participant or beneficiary with respect to any benefit under the Plan to which the Participant or beneficiary may have previously become entitled prior to the effective date of such amendment without the consent of the Participant or
beneficiary. The Committee shall be authorized to make minor or administrative changes to the Plan, as well as amendments required by applicable federal or state law (or authorized or made desirable by such statutes); provided, however, that such
amendments must subsequently be ratified by the Board of Directors. 
 Section 8.02 Termination of the Plan. 

The Bank may terminate the Plan at any time; provided, however, that such termination may not adversely affect the rights of any Participant or
beneficiary with respect to any benefit under the Plan to which the Participant or beneficiary may have previously become entitled prior to the effective date of such termination without the consent of the Participant or beneficiary. Any amounts
credited to the supplemental accounts of any Participant shall remain subject to the provisions of the Plan and no distribution of benefits shall be accelerated because of termination of the Plan. 

ARTICLE IX 

GENERAL PROVISIONS 

Section 9.01 Unfunded, Unsecured Promise to Make Payments in the Future. 
 The right of a Participant or any beneficiary to receive a distribution under this Plan shall be an unsecured claim against the general assets of the Bank or its Affiliates, and neither a Participant, nor
his designated beneficiary or beneficiaries, shall have any rights in or against any amount credited to any account under this Plan or any other assets of the Bank or an Affiliate. The Plan at all times shall be considered entirely unfunded both for
tax purposes and for purposes of Title I of ERISA. Any funds invested hereunder shall continue for all purposes to be part of the general assets of the Bank or an Affiliate and available to its general creditors in the event of bankruptcy or
insolvency. Accounts under this Plan and any benefits which may be payable pursuant to this Plan are not subject in any manner to anticipation, sale, alienation, transfer, assignment, pledge, encumbrance, attachment, or garnishment by creditors of a
Participant or a Participant’s beneficiary. The Plan constitutes a mere promise by the Bank or Affiliate to make benefit payments in the future. No interest or right to receive a benefit may be taken, either voluntarily or involuntarily, for
the satisfaction of the debts of, or other obligations or claims against, such Participant or beneficiary, including claims for alimony, support, separate maintenance and claims in bankruptcy proceedings. 

Section 9.02 Committee as Plan Administrator. 
  

	(a)	The Plan shall be administered by the Committee designated by the Board of Directors of the Bank. 

 

	(b)	 The Committee shall have the authority, duty and power to interpret and construe the provisions of the Plan as it deems appropriate. The Committee
shall have the duty and responsibility of maintaining records, making the requisite calculations and disbursing the payments hereunder. In 

  
 8 

	 	
addition, the Committee shall have the authority and power to delegate any of its administrative duties to employees of the Bank or an Affiliate, as they may deem appropriate. The Committee shall
be entitled to rely on all tables, valuations, certificates, opinions, data and reports furnished by any actuary, accountant, controller, counsel or other person employed or retained by the Bank with respect to the Plan. The interpretations,
determinations, regulations and calculations of the Committee shall be final and binding on all persons and parties concerned. 

Section 9.03 Expenses. 

Expenses of administration of the Plan shall be paid by the Bank or an Affiliate. 
 Section 9.04 Statements. 
 The Committee shall furnish individual annual
statements of accrued benefits to each Participant, or current beneficiary, in such form as determined by the Committee or as required by law. 

Section 9.05 Rights of Participants and Beneficiaries. 

 

	(a)	The sole rights of a Participant or beneficiary under this Plan shall be to have this Plan administered according to its provisions and to receive whatever benefits he
may be entitled to hereunder. 

  

	(b)	Nothing in the Plan shall be interpreted as a guaranty that any funds in any trust which may be established in connection with the Plan or assets of the Bank or an
Affiliate will be sufficient to pay any benefit hereunder. 

  

	(c)	The adoption and maintenance of this Plan shall not be construed as creating any contract of employment or service between the Bank or an Affiliate and any Participant
or other individual. The Plan shall not affect the right of the Bank or an Affiliate to deal with any Participants in employment or service respects, including their hiring, discharge, compensation, and other conditions of employment or service.

 Section 9.06 Incompetent Individuals. 
 The Committee may, from time to time, establish rules and procedures which it determines to be necessary for the proper administration of the Plan and the benefits payable to a Participant or beneficiary
in the event that such Participant or beneficiary is declared incompetent and a conservator or other person is appointed and legally charged with that Participant’s or beneficiary’s care. Except as otherwise provided for herein, when the
Committee determines that such Participant or beneficiary is unable to manage his financial affairs, the Committee may pay such Participant’s or beneficiary’s benefits to such conservator, person legally charged with such
Participant’s or beneficiary’s care, or institution then contributing toward or providing for the care and maintenance of such Participant or beneficiary. Any such payment shall constitute a complete discharge of any liability of the Bank
or an Affiliate and the Plan for such Participant or beneficiary. 
 Section 9.07 Sale, Merger or Consolidation of the Bank.

 The Plan may be continued after a sale of assets of the Bank, or a merger or consolidation of the Bank into or with another corporation or
entity only if, and to the extent that, the transferee, purchaser or successor entity agrees to continue the Plan. Additionally, upon a merger, consolidation or other Change in Control, any amounts credited to Participant’s deferral accounts
shall be placed in a grantor trust to the 

  
 9 

 
extent not already in such a trust. In the event that the Plan is not continued by the transferee, purchaser or successor entity, then the Plan shall be terminated subject to the provisions of
Section 8.02 of the Plan. Any legal fees incurred by a Participant in determining benefits to which such Participant is entitled under the Plan following a sale, merger, or consolidation of the Bank or an Affiliate of which the Participant is
an Employee or, if applicable, a member of the Board of Directors, shall be paid by the resulting or succeeding entity. 
 Section 9.08
Location of Participants. 
 Each Participant shall keep the Bank informed of his current address and the current address of his
designated beneficiary or beneficiaries. The Bank shall not be obligated to search for any person. If such person is not located within three (3) years after the date on which payment of the Participant’s benefits payable under this Plan
may first be made, payment may be made as though the Participant or his beneficiary had died at the end of such three-year period. 

Section 9.09 Liability of the Bank and its Affiliates. 
 Notwithstanding any provision herein to the contrary, neither the Bank nor any individual acting as an employee or agent of the Bank shall be liable to any Participant, former Participant, beneficiary, or
any other person for any claim, loss, liability or expense incurred in connection with the Plan, unless attributable to fraud or willful misconduct on the part of the Bank or any such employee or agent of the Bank. 

Section 9.10 Governing Law. 

All questions pertaining to the construction, validity and effect of the Plan shall be determined in accordance with the laws of the United States and, to
the extent not preempted by such laws, by the laws of the Commonwealth of Massachusetts. 
 [Signature page follows]

  
 10 

 This Plan has been approved and adopted by the Board of Directors of the Bank and is effective as of
[Date]. 
  

							
	Attest: 	 		 	WELLESLEY BANK
				
	  
	 		 	By:	 	 
		 		 		 	For the entire of Board of Directors

  
 11

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