Related Party Transactions and Outside Related Director Information

Westfield Financial, Inc. (WFD)

4/14/2006 Proxy Information

Westfield Bank makes loans to its executive officers, employees and directors. These loans are made in the ordinary course of business and on the same terms and conditions as those of comparable transactions with the general public prevailing at the time, in accordance with our underwriting guidelines, and do not involve more than the normal risk of collectibility or present other unfavorable features. At December 31, 2005, loans to non- employee directors and their associates totaled $13.0 million.