Investor Presentaiton

Strategic Progress and Focus Recent Progress Generated record operating earnings in 2020 Completed merger with Wellesley Bancorp on June 1, 2020 Expanded the Company's presence in Greater Boston with the addition of 6 banking offices in Norfolk, Middlesex and Suffolk Counties Supported clients & communities during the pandemic which included $194M in PPP Lending Completed merger with Optima Bank & Trust on April 17, 2019 ■ Addition of 6 banking office locations in New Hampshire to complement over $1 billion of Wealth Management assets in this important market Named the 19th Largest Independent Investment Advisor in Massachusetts (according to Boston Business Journal) Named as one of the region's top corporate charitable contributors (according to Boston Business Journal) Increased resources to support expansion of business development initiatives CAMBRIDGE BANCORP Strategic Focus Near Term Priorities: COVID-19-Focused on our team, clients, community support and risk management Merger Integration Continuing Priorities: Leverage private banking model in highly attractive markets Increase brand awareness Expand Wealth Management assets under management Grow and diversify Commercial Banking opportunities & relationships Expand client base & deepen existing relationships to grow deposit base 20 20

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