NSTRUCTIONS PERSONAL FINANCIAL STATEMENT

INSTRUCTIONS FOR YOURPERSONAL FINANCIAL STATEMENTAt Hingham Institution for Savings, we want to help you make the most of your opportunities. The more information we haveabout your financial background, the better we can evaluate your financial needs. All statements will be held confidential.If you are applying for credit with another person, or if you are relying on another person's income or assets to obtain credit, pleasefill out all information for both the applicant and co-applicant. Information about your spouse need not be included unless this is ajoint statement with your spouse or if you are relying on his or her income or assets to obtain credit. The Bank is not required toconsider jointly held assets in evaluating an individual credit request. All parties whose assets are relied upon will be requested tosign notes or other documents required in connection with credit extended.Please read everything carefully. As you complete each schedule, you will notice that the totals appear in a boldly outlined block.These blocks will provide the information you need for the financial summary on the last page of this form. If there is nothing toreport, indicate "none" on the schedule and "0" on the financial summary. If you have any questions, please call us.SCHEDULE 1Cash Accounts. Please include all account relationships youhave with a bank/money market fund, such as checking andsavings accounts, bank loans, Certificates of Deposit, moneymarket funds, etc. However, do not include mortgages orconsumer loans.SCHEDULE 2Marketable Securities. Show all marketable securities you own,including Stocks/Bonds registered and traded on nationalexchanges or over the counter, Treasury Bills, Municipal Bonds,Commercial Paper, and Margin Loans with brokerage firms. Ifcompleting by hand and there is not enough space, attach aseparate schedule.SCHEDULE 3Non-Marketable Securities. Please include non-marketablesecurities and investments (those not publicly traded), as well asrestricted stock. If any of the securities are pledged, pleaseexplain. You do not need to include privately owned businessesor professional practices, as there is a separate schedule for this.SCHEDULE 4Consumer Loans. Please indicate all installment loans, includingauto loans, credit cards, charge accounts, etc.SCHEDULE 5Real Estate for Personal Use. Please include first and secondmortgages, including home equity lines of credit.SCHEDULE 6Real Estate for Investment. Please include the same informationas above, but for investment property, including secondmortgages and revolving lines of credit secured by real estate.SCHEDULE 7Accounts / Notes Receivable.SCHEDULE 8Other Major Liabilities. Accounts, Notes, Taxes Payable.Please include repayment terms and collateral.SCHEDULE 9Life Insurance: This should include cash surrender valueand any amount you may have borrowed against your lifeinsurance.SCHEDULE 10Limited Partnership Investments.SCHEDULE 11Privately Owned Businesses or Professional Practices.Please indicate what percentage is owned by you, and theestimated current market value of the business.SCHEDULE 12Other Major Assets / Personal Effects. Please list any itemsnot already included, such as airplanes, boats, seats onexchanges, automobiles, jewelry, furs, antiques, orientalrugs, objects of art, paintings, stamp and coin collections.SCHEDULE 13Deferred Assets. These should include trusts, vestedpensions, deferred income, stock options, hypothecatedsecurities, 401K plans, IRAs, and profit sharing plans.SCHEDULE 14Contingent Liabilities. Please list any contingent liabilitieson leases, legal claims, contracts, stand-by letters of credit,and as co-maker, surety, endorser, or guarantor for debtsof others.SCHEDULE 15Annual Income. You do not need to include alimony, childsupport, or separate maintenance income unless you wouldlike it to be considered in evaluating creditworthiness.SCHEDULE 16Annual Expenses. Please provide a fair estimate of all yourmajor expenses.SCHEDULE 17Assets and Liabilities. If completing by hand, please insertthe Totals from each of the Schedule #s throughout thisform. Please make sure the figures are correct, and sign atthe bottom.

PERSONAL FINANCIAL STATEMENTIndividual StatementPersonal Financial Statement as of:Joint Statement(Date)PERSONAL INFORMATIONApplicant / BorrowerFirst NameM.I.Street AddressCityStateTax ID/SSNCo-Applicant / Co-BorrowerLast NameFirst NameHome TelephoneStreet AddressZip CodeCityDate of BirthTax ID/SSNEmail AddressM.I.Last NameHome TelephoneStateZip CodeDate of BirthEmail AddressBusiness NamePositionBusiness NamePositionBusiness AddressBusiness TelephoneBusiness AddressBusiness TelephoneZip CodeCityCityStateStateZip CodeName of Account Manager and present bankName of Account Manager and present bankName, Address of your accountantName, Address of your accountantName, Address of your attorneyName, Address of your attorneyName/Address of person having a durable power of attorneyName/Address of person having a durable power of attorneyPLEASE ANSWER THE FOLLOWING QUESTIONS1. Are you a defendant in any suit or legal action? (explain below)2. Are you presently subject to any unsatisfied judgements or tax liens? (explain below)3. Have you or an entity of which you were partial owner ever been through bankruptcyor settled any debts for less than full amount? (explain below)4. Are any of your income tax returns currently being audited? (explain below)If yes, what years?5. Have you, or an entity of which you are partial owner, ever received any form of loanmodification or forbearance on any loan which secures collateral in which you, and/orthe entity, hold a security interest? (explain below)If yes, what years?COMMENTS BELOW FOR ANY OF THE ABOVE QUESTIONS:YESNO

PERSONAL FINANCIAL STATEMENTSCHEDULE 1 - CASH ACCOUNTSDepositBalanceName of Bank / Money Market FundFunds PledgedAccountNumberOwnership(Applicant orCo-Applicant)BrokerageMargin LoansOwnershipEstimatedMarket ValueOwnershipTOTALSCHEDULE 2 - MARKETABLE SECURITIESFirm/Institution HoldingSecuritiesName of Stocks,Bonds, # Shares,etc.CostMarket ValueAre SecuritiesPledged? Towhom?TOTALSCHEDULE 3 - NON-MARKETABLE SECURITIESDescription of SecurityDate AcquiredCostBook ValueTOTALSCHEDULE 4 - CONSUMER LOANS (For additional space use insert sheet)Total MonthlyTotal AmountAuto Loans, Credit Cards, Credit Unions, Charge Accts, Etc.PaymentsOutstandingOwnershipTOTALSCHEDULE 5 - REAL ESTATE FOR PERSONAL USEProperty Address andDescriptionTOTALLegal OwnerPurchase Year Purchase PriceMarket ValuePresent LoanBalanceLender

Property Address andDescriptionSCHEDULE 6 - REAL ESTATE FOR INVESTMENTPurchaseLegal OwnerPurchase Price % Ownership Market ValueYearPresent LoanBalanceLenderGROSS TOTALS% SHARE OWNED** Should reflect SUM of % Ownership of Market Value and Loan Balance for each property aboveSCHEDULE 7 - ACCOUNTS / NOTES RECEIVABLEDate of Accounts /Notes ReceivableDue FromOriginal AmountPresent BalanceRepayment TermsTOTALSCHEDULE 8 - OTHER MAJOR LIABILITIES (ACCOUNTS / NOTES / TAXES PAYABLE)Date of ObligationDue ToOriginal AmountPresent BalanceRepayment Terms / CollateralTOTALSCHEDULE 9 - LIFE INSURANCEInsurance CompanyTOTALFace Amountof PolicyType of wnership

SCHEDULE 10 - LIMITED PARTNERSHIP INVESTMENTSShare ofEstimatedDate Acquired Cash InvestedMarket ValueInvestmentsShare of Debtor LP LiabilityNumber ofShares / %OwnedTOTALSCHEDULE 11 - PRIVATELY OWNED BUSINESSES OR PROFESSIONAL PRACTICESOriginalGross MarketDate ofInvestmentValue ofBusiness Name and AddressType of Business% OwnershipInvestmentCostBusinessOwnershipGROSS TOTALS% SHARE OWNEDSCHEDULE 12 - OTHER MAJOR ASSETS / PERSONAL EFFECTSItemCostEstimatedPresent ValueOwnershipTOTALSCHEDULE 13 - DEFERRED ASSETS (IRAs, PENSIONS, STOCK OPTIONS; See instructions)DescriptionAmountOwnershipSCHEDULE 14 - CONTINGENT LIABILITIES (GUARANTOR FOR LOAN, ETC.; See ast Year's Actual IncomeSalary and/or Net Professional IncomeBonus and CommissionsInterest and DividendsNet Real Estate IncomeCapital Gains (Losses)Other Income (Describe below)TOTALThis Year's Estimated IncomeSalary and/or Net Professional IncomeBonus and CommissionsInterest and DividendsNet Real Estate IncomeCapital Gains (Losses)Other Income (Describe below)TOTALSCHEDULE 15 - ANNUAL mbinedCombined

Estimate of Current/Actual ExpensesSCHEDULE 16 - ANNUAL EXPENSESApplicantCo-ApplicantCombinedIncome TaxCondo PaymentsMortgage Payments (personal residence)Real Estate Taxes (personal residence)Rent PaymentsInsurance Premiums (RE, Auto, etc.)TuitionAlimony, Child SupportOther Payments for Debt OwedOther Expenses (utilities/food/clothing, etc.)TOTALFAMILY INFORMATIONNameCOMMENTS / REMARKS:RelationDate of BirthDependent?YesNo

SCHEDULE 17 - SUMMARY OF ASSETS AND LIABILITIESASSETSCASH ACCOUNTSfrom Schedule 1LIABILITIESBANK ACCT FUNDS PLEDGEDfrom Schedule 1MARKETABLE SECURITIESfrom Schedule 2MARGIN LOANSfrom Schedule 2NON-MARKETABLE SECURITIESfrom Schedule 3CONSUMER LOANSfrom Schedule 4REAL ESTATE FOR PERSONAL USEfrom Schedule 5REAL ESTATE FOR INVESTMENT"% Share Owned" from Schedule 6MORTGAGES-PERSONAL REALESTATEfrom Schedule 5MORTGAGES ON INVESTMENT REALESTATE: from Schedule 6ACCOUNTS / NOTES RECEIVABLEfrom Schedule 7OTHER MAJOR LIABILITIESfrom Schedule 8CASH VALUE OF LIFE INSURANCEfrom Schedule 9LOANS AGAINST LIFE INSURANCEfrom Schedule 9LTD PARTNERSHIP INVESTMENTSfrom Schedule 10LTD PARTNERSHIP INVESTMENTLIABILITY from Schedule 10PRIVATELY OWNED BUSINESSESfrom Schedule 11TOTAL LIABILITIES(Sum of all values listed above)OTHER MAJOR ASSETSfrom Schedule 12NET WORTH(Total Assets minus Total Liabilities)TOTAL ASSETS(Sum of all values listed above)TOTAL LIABILITIES PLUS NET WORTHDEFERRED ASSETSfrom Schedule 13CONTINGENT LIABILITIESfrom Schedule 14INCOME LAST YEARfrom Schedule 15CURRENT INCOMEfrom Schedule 15ANNUAL EXPENSESfrom Schedule 16I understand that Hingham Institution for Savings' credit approval is subject to verification and investigation. I authorize the Bank to obtain and release credit information inconnection with this statement and with respect to any credit granted.This is a true and accurate statement of my financial condition. Should my financial condition change at any time while I am under obligation to the Bank, I will promptly notify themin writing of this change. While under such obligation, I will provide annually an updated financial statement.The applicants / borrowers warrant and represent that they have voluntarily applied for this credit and were not requested or required to do so by the Lender.Applicant /Borrower SignatureDateCo-Applicant / Co-Borrower SignatureNote: Applicant / Borrower acknowledges that date provided here shall constitute the "Statement As Of" date on PFS cover page if that date is not completed.Date

Personal Financial Statement as of: Individual Statement Joint Statement (Date) PERSONAL INFORMATION Applicant / Borrower Co-Applicant / Co-Borrower . This is a true and accurate statement of my financial condition. Should my financial condition change at any time while I am unde