Investor Presentaiton

How is Bar Harbor Bank & Trust different? BAR HARBOR BANKSHARES We have adhered to a strategy of prudent growth for over 135 years. We take deposits from neighbors and lend to neighbors. We like to lend money. We have an investment portfolio, but we don't run it as a separate line of business and it is purposefully scaled with the priority being core bank lending assets. • We don't compete solely on rate. Instead, we compete by providing superior service, solutions tailored to our customers' needs, and the convenience of our branch network and online. capabilities. • We don't have excessive concentrations in our deposit or loan portfolios. . • 11% of our deposits are uninsured either by the FDIC or collateral. LO 5

View entire presentation