Filing Details

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

x

Rule 13d-1(b)

o

Rule 13d-1(c)

o

Rule 13d-1(d)

CUSIP No. 41165Y100

1.

Names of Reporting Persons
HarborOne Bank Employee Stock Ownership Plan Trust

2.

Check the Appropriate Box if a Member of a Group (See Instructions)

(a)

o

(b)

x

3.

SEC Use Only

4.

Citizenship or Place of Organization
Massachusetts

Number of
Shares
Beneficially
Owned by
Each
Reporting
Person With

5.

Sole Voting Power
3,833,286

6.

Shared Voting Power
729,874

7.

Sole Dispositive Power
4,563,160

8.

Shared Dispositive Power
0

9.

Aggregate Amount Beneficially Owned by Each Reporting Person
4,563,160

10.

Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)  o

11.

Percent of Class Represented by Amount in Row (9)
7.98% of 57,163,058 shares outstanding as of December 31, 2020

12.

Type of Reporting Person (See Instructions)
EP

Item 1.

(a)

Name of Issuer
HarborOne Bancorp, Inc.

(b)

Address of Issuers Principal Executive Offices
770 Oak Street

Brockton, MA 02301

Item 2.

(a)

Name of Person Filing
HarborOne Bank Employee Stock Ownership Plan Trust

(b)

Address of Principal Business Office or, if none, Residence
c/o HarborOne Bancorp, Inc.

770 Oak Street

Brockton, MA 02301

(c)

Citizenship
Massachusetts

(d)

Title of Class of Securities
Common Stock, par value $0.01 per share

(e)

CUSIP Number
41165Y100

Item 3.

If this statement is filed pursuant to §§240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:

(f)

x

An employee benefit plan or endowment fund in accordance with §240.13d-1(b)(1)(ii)(F);

Item 4.

Ownership

Provide the following information regarding the aggregate number and percentage of the class of securities of the issuer identified in Item 1.

(a)

Amount beneficially owned:

See Page 2, Item 9.

(b)

Percent of class:

See Page 2, Item 11

(c)

Number of shares as to which the person has:

(i)

Sole power to vote or to direct the vote:

See Page 2, Item 5

(ii)

Shared power to vote or to direct the vote:

See Page 2, Item 6

(iii)

Sole power to dispose or to direct the disposition of:

See Page 2, Item 7

(iv)

Shared power to dispose or to direct the disposition of:

See Page 2, Item 8

Item 5.

Ownership of Five Percent or Less of a Class

If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following   o.

Item 6.

Ownership of More than Five Percent on Behalf of Another Person

Not applicable.

Item 7.

Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on By the Parent Holding Company or Control Person

Not applicable.

Item 8.

Identification and Classification of Members of the Group

Not applicable.

Item 9.

Notice of Dissolution of Group

Not applicable.

Item 10.

Certification

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

Date: February 11, 2021

HARBORONE BANK EMPLOYEE STOCK OWNERSHIP PLAN TRUST

By: TI-Trust, Inc., as Trustee

By:

/s/ Craig Baker

Name:

Craig Baker

Title:

Trust Officer

ATTENTION

Intentional misstatements or omissions of fact constitute Federal Criminal Violations (See 18 U.S.C. 1001).