Investor Presentaiton

| Why Cambridge Bancorp? SBusiness Model Focused private banking business model CAMBRIDGE BANCORP • Attractive geographic markets Affluent client base • Expanding commercial services Investing for future growth DODO Performance • Consistently profitable • Strong returns Core deposit funded Well-capitalized Credit Strong asset quality Sound underwriting acumen and risk management practices T Culture • Client-centric service culture Loyal client base Experienced, conservative leadership Commitment to our community 23 23

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