Investor Presentaiton

A Bank that Thinks Differently • BAR HARBOR BANKSHARES Bar Harbor Bank & Trust is the only community bank headquartered in Northern New England with branches in Maine, New Hampshire and Vermont. The Bank is focused on exceptional commercial, retail and wealth management banking services in over 50 locations. Our business model balances earnings with growth by focusing on: Employee and customer experience is the foundation of our performance, which leads to financial benefit to shareholders Geography, heritage, and performance are key while remaining true to a culture that has long-term commitment to its communities • Commitment to risk management • Service and sales driven culture with a focus on core business growth • Fee income is fundamental to our profitability through trust and treasury management services, customer derivatives, and secondary market mortgage sales • Investment in processes, products, technology, training, leadership, and infrastructure with a more mature model now committed to operating leverage • Expansion of our brand and business to deepen market presence • Opportunity and growth for existing employees while adding catalyst recruits across all levels as appropriate 4

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